Jessep28

Congratulations. I have had good luck with AMEX since opening my account with them in 2008. The worst thing that happened was they locked my account out do run their initial security verification, but that was easily resolved over the telephone.

I'm still curious as to how it all works behind the scenes. The cards have to use some sort of RFID chip that integrates with the store's POS system somehow. This concept kind of makes me want to re-open my Citi account just to see if I can get one of these .

I wonder if their brothers and sisters over at the Treasury Department Federal Credit Union (Since the IRS is part of the Treasury Department) have to send in a form for their survey password and wait several months for a reply.

That link works to resume your application. Really hoping we made it in! I need a card for sub 620 scores. Let's go approval, let's go! *clap clap*

New phone?

With text messaging and email it would be feasible in my opinion to have the bank send an email or SMS message saying that your spending limit for a given area is dangerously high and you should watch out in order to deter embarrassing declines.

Chase welcomed me into their family by slashing my CL from $8500 to $500. That should show you how much they care about and love their customers. But to be fair, I wasn't using the card since WaMu and Providian refused to lower the APR which was atrocious since this was my 2nd credit card ever, opened in 2004.

You should have bought a new phone since you hate yours so much, loser. Hater, if RIM didn't suck I would be getting a new phone. Or if I wasn't too tight to pay an additional ten bucks a month for a service I don't have access too 4G kills your battery life anyways. I think once the new Blackberry's start getting OS6, they will be acceptable to use again.

Gotcha! I shop wherever the heck I want and AMEX dosen't seem to care. However, they keep trying to make me sign up for their Platinum charge card, so I think I might appear more affluent to them in their computers models.

I'm not for certain but Chase might be risk adverse when it comes to new accounts. I'm a Chase customer via the WaMu acquisition (I opened the account with Providian in 2004). In late 2009, Chase slashed the credit limit from $8500 to $500. I never really used the card that much, so it wasn't that big of a deal. But my limits with other cards stayed stable, so I figured they were taking a safer position with regards to risk on revolving accounts.

I always carry a secondary VISA card and a VISA check card for backup in case the place I shop/dine at doesn't accept AMEX. Most places accept American Express nowadays, so I don't run into that problem TOO often.

I haven't been F/R'ed at all in the two years I've had my Blue Cash card. But it gets paid off every month, so it might as well be a charge card for all I care. I just use it for the cash back.

You should have bought a new phone since you hate yours so much, loser.

The rule says 12 months, so these people should not have taken your friend as a dependent in the first place. There are some credits he may qualify for but since he was claimed as a dependent, he didn't. If your friend wants to go throught the time to get this fixed, I would have him call the IRS and initiate the process. Bascially have him say that through some misunderstanding of the tax rules, these people claimed him as a dependent when they shouldn't have. They will probably have him file an amended return with the exemption. Eventually, these people he lived with will have to prove they are entitled to the exemption, which judging from the information at hand, they aren't. I hope that helps.

Depending on his/her living arrangement and level of support, the people he is staying with my have a right to claim him as a dependent. However, they don't sound like relatives, so the qualification burden is much higher. Your friend must have lived with those people the entire year, they must have provided over 50% of his support and your friend cannot have earned more than $3650 the entire year. Also, he cannot be a qualifying child of his parents. Actually, the dependency exemption for children ends at 19 unless they are in college, in which case the parent, if they qualify, have a right to claim their child until they are 24. I would go here for more information: http://www.irs.gov/publications/p501/ar02.html