cadman

I get online / pdf statements. And yes, I had a pdf that showed "$0" and then 2 days later, another one the showed the interest. That was why I was so pissed about it - a statement cut and then was "replaced / updated with a new one". It is like they are totally lost as to what they are doing at the moment due to the account transitions. Well, after I paid it - now they have gone back and "credited" the interest so now I have a balance of -$110. Assuming that they don't go back and reverse it. So they show a transaction of adding the interest on Oct 16, paying it on October 18 and also removing it on October 18... leaving a negative balance now. And this is without ever actually getting to discuss the actual issue with anyone. And just because I haven't been active on here in a while - I have still been reading over the years - just not usually logged in when I did. I remember when this site was started and many people came from that other site - I go that far back. So I am definitely not a newbie to credit. Like many, my credit was bad, back then, due to a Ch7 BK. Been carrying balances due to time spent in ER and ICU and some other Dental / Medical things that happened - you know, life in general. Recently was able to get a low rate loan to pay off cards - all but a couple of cards. They will be paid down and off quickly and then will focus on the loans. Plan to use cards for normally bills and pay them like I normally would directly from my checking account each month.

I think part of the problem is that I payed it prior to it transferring to Capital One and it took them a few days to get it straight. On Oct 2nd - balance of $7888 Paid balance on Oct 2nd. They did not credit it until October 9th, but then back dated it to the 2nd as the day paid. showed on Cap1 on Oct 10th with $0 balance received new statement notice on Oct 12th - $0 balance received new notice / statement on Oct 16th - $110 balance - interest charges It is especially irritating that Cap1 is hitting me for interest charges on a card that I never owed them money on. It was paid prior to the transfer to them - so they are collecting interest on money "borrowed" from Syncrony Bank. I will just pay it / them and never charge on them again - they will auto close in a few years. I paid off 8 cards and 1 has auto-waived the additional interest, 1 waived when I asked (Target Visa) and 3 have not (both a regular Cap1 and the Cap1 Walmart MC & BOA) - on the one that auto-waived it. It was the highest balance I owed. It was US Bank. Almost $8500, and when their statement cut, they gave a CLI and show no additional interest owed. The other 3 statements have not yet cut - should be next week on those.

When the new statement cut - it showed as $0 balance. Now a week later, it shows as about $110 balance. The interest for the previous month was $140. How can I owe 3/4 of the months interest for 3 days is my question that I can't get answered. That as well as why did it get added a week after the statement cut that showed I owed none...

Hi all - I have a Walmart Mastercard that I had been carrying a large balance on (yes - I know I shouldn't carry balances - but not here to discuss that). About 30 days ago, I received notice that the account was being transferred from Synchrony Bank to Capital One bank. Had the money and decided to pay off the balance at that time - paid "current balance" online about 4 or 5 days after statement date which was 3 weeks ago. The account just transferred about 5 days ago and now Capital One says that I owe them over $100 in interest. When I ask them how is that possible, they read from their script about daily interest. First, they need to have their code setup so if you click to "pay current balance", it includes the interest to that point (it is not difficult to calculate it) - so it is actually the true "current" balance. But mostly, if I paid the balance with a different bank, a few days after statement - how can I owe almost a full month of interest to the bank it only just transferred to? Up until today, it has shown a $0 balance. I hung up on them the last time I called as I could barely understand the broken English and kept being told that I just did not understand the way the daily interest works and to let her explain it to me. She would not accept that I was not asking how the interest worked. I am an Engineer - I am pretty good at math and have a spreadsheet that shows me my interest based on daily calculations. I should owe about 4-5 days of interest max - not until they completed their conversion to Capital One 3 weeks after I paid it. Does anyone have any good numbers / contacts there that I could reach out to and explain this and maybe even have them waive the small amount of interest that I should actually owe? At least 2 of the 8 cards that I paid off have automatically waived the additional interest for paying a few days after the statement dates.

I am a partial member and just received this in the mail today. I had to type is as my scanner is down at the moment. But here it is: New Bank Guideline – What it Means for You Dear Mr. xxxxxx We value you as a customer and thank you for banking with USAA Federal Savings Bank. As you may know, USAA was established to serve the financial needs of the military. Because our mission is to serve our service members and their families, we’ve made changes to ensure they remain our focus. USAA Federal Savings Bank products* are now available only to veterans, those currently serving in the military, and their eligible family members. Your account is not affected Your current account is not affected. As long as it remains open and active, you’ll be able to apply for new bank accounts. But, if you close your account, you’ll become ineligible for new USAA Federal Savings Bank accounts. Thank you again for your business, and if you have questions, please call us at 1-800-xxx-xxxx *USAA Federal Savings Bank products include: checking, savings, CDs, credit card, line-of-credit, auto loan or real estate loan products. Cadman

Beli - keep in mind that USBank is Experian Plus score (Fako) and Walmart is TU Fico based. I do not have USAA, but believe it is Fico as well. Oh, and congrats on the USBank! cadman

It is a YMMV thing. I applied for one of the Citi pre-approval / invitation to apply forms that I receive about every 6 months last year with my EX frozen. I live in TX in an EX area for almost everything. Citi told me to call, which I did. The CSR told me to unfreeze it, I asked her if she would pull a different one - she told me no, that they were "not allowed" to do that. I suggested that I knew others that they had done it for. She repeated that they were not allowed and told me again that I had to unfreeze it. I told her that I would not unfreeze it, so she told me then she would cancel my application and asked if there was anything else that she could do for me. When I said no, she told me to have a nice day and hung up. cadman

10k - that is great! Congrats Cadman

Hi all: I app'd for the Linux Card (US Bank) on March 18th, online. I received an immediate reply that they were unable to approve me at this time and I would receive a letter in 7-10 days. It did not surprise me as I still had extremely high util (70%) at the time, I did not realize that several of my cards that I paid off had not yet reported. Util is still way too high (50%) but dropping about 5% every month. Anyway, I received a letter from them last night, and had a second envelope, from a different name / addy that I could feel a card in. This confused me as none of my cards are currently due to be replaced. I opened the card envelope first, to see who was sending me a new card (I assumed a replacement card), only to see the Linux card. The other envelope had the Welcome to Linux card info. The CL is low, $1500, but, it is a foot in the door. cadman

Congrats! cadman

UPDATE I just called the credit department an explained in detail what happen. I was just told the AF will be removed from my account. CSR most have looked at the notes of the others call I made an told me I know you where thinking about closing your account an you been a great customer an we don't want to loose you. So I asked her again will the fee be removed for just this year or forever an she told me forever I would not be charged an AF. I asked if she could send me a letter so I can have proof of this an was told she couldn't do that but she gave me her name an the state of the office she was calling from if I had any problems My latest call to BOA over the fee... they at first told me that I could do a product change and not have the fee, then he transferred me to I assume the US. She told me that I could, but I would need to go to a branch and fill out an application. I stopped her and explained for the 3rd time, that I was looking for a product change, not a new card. She then told me that se couldn't do that. I asked what I needed to do to not have a fee? She said that there is nothing that I can do to eliminate the fee. So, my next question was "So you are telling me that if I eliminate the reasons that you listed for me having a fee - I will still be given the fee?" Then I asked why they listed the reasons if they really had nothing to do with why I was getting a fee - she got a little irritated with me and again started with the you can open a new card without a fee. I told her if I did, I would open a new credit union card and balance transfer from them and close their card. Then she really got the "I'm done with you attitude and shut down". I wasn't being rude or sarcastic; I was however being persistent in my wanting to know why I am getting this fee and why they can not do anything about it. I didn't raise my voice until the last part after she started trying to get me to open another account with them again - I just told her that there was obviously nothing that she could do to help me so there was no point in discussing anything further with her.

I'm with you sedric1 - I think its hilarious I think it is funny too! But, pennies are rolled in 50, not 100 coins. So, where do you get 13,000 rolls of them from? I would hate to have to roll that many. cadman

I got a $400 bump from $900 to $1300. cadman

Congrats Smokey! Great feeling getting approved - especially when you can use the backdating to help the AAOA! cadman

I had a Juniper Card, it was the iTunes. I got it in June of 2007 with a $2200 limit. Not my highest limit as I had a $5000 limit on Cap One - of all cards. Anyway, I had a bowling tournament in Reno that I went to in late June, used the card for some of the cost, I think I spent just over $900 on it, paid $275 in July, paid $175 in Aug, Paid another $250 then $100, then had some car repairs, so the balance went back to $1000. I sometimes do contract PCB design for people, and had received a check for $800, so I paid Juniper $800 bringing my balance to around $200. They immediately canceled my card after only 6 months, as soon as I paid them the $800, so then I had a closed account with a $200 balance on it. I paid that the following month. I do not remember what their reasoning was, but I do remember that when I called them, they told me they would not reopen the account - I was welcome to reapply. I told them I didn't need their card that bad and have refused to apply for another Juniper / Barclays product since. Good Luck with them! cadman