All Activity

I tried to apply for the regular American Express card but they keep wanting my tax returns just to do a pre-approval. I have an American Express card with both Macy's and Bloomingdales with $30,000 each. I have the raktuken, fetch and coin base one card totaling $40,000. I'm okay not having a regular American Express card. I have all the credit that I need. I've come a very long way from where I was 20 years ago. I'm a much different person now. I carry very little debt.

I’m really happy you secured a $100,000 credit limit with AmEx. Reading your description, I’m a bit puzzled: you currently hold several AmEx cards—though it seems you didn't obtain them directly through AmEx channels—and you have over $100,000 in total credit across them, all without paying an annual fee. I used to have the AmEx Platinum Card; I recall the annual fee was $395 back then, while the Gold Card was $75 and the personal Green Card was $55. Currently, I only hold the Classic Green Card, the BCE card, and the BCE Magnet card, with a combined credit limit of $60,000. I’ve said many times that if AmEx revamps the Classic Green Card and significantly raises the annual fee (to over $200), that would be a deal-breaker for me; at that point, I’d have to part ways with the card reluctantly.

I had this card many many years ago and at the time it was well worth it for me to pay the $350 annual fee as I saved a lot of money when I was traveling. I was under 25 years of age and I rented a lot of cars and I saved significant money renting cars through Hertz. I have several American Express cards now but not through American Express. I have more than $100,000 in American Express credit lines and I pay no annual fees.

It's weird to me how AmEx presents the Platinum Card as an elite card for world travelers. It's really just a coupon book. There's a points bonus for airfare, and that's it (unless you want to book through their travel agency then you get their list of hotels). The Green Card is a much better travel card. I'll take 3 points on everything even remotely connected to travel - including parking meters! - over 5 just for airfare*. I suppose there's the Centurion Lounge access but I fly First or Business so I get the airline's lounge with my ticket. And I don't have any "incidentals" with those tickets so the $200, one-airline incidentals credit is useless. I dumped my Platinum for the Green a couple of years ago and I don't miss it. *Edit: Hotels and airfare have to be booked through AmEx. Everything else travel like taxis, train tickets and transit (important in Europe) can be direct. The Clear credit of $219 more than covers the $150AF and that is one thing I definitely use!

Don't be surprised if you receive no answer-- I believe that many of those functions are being handled by AI and if your response doesn't "fit" into the parameters it will get lost in the system.

Haven't heard back from the email I received Tuesday, so I wrote back today asking for verification that they had pulled it back from Business Revenue Systems.

not necessarily. I assume that your $89.xx was your last statement balance. If you paid that in full by the due date which is today, your statement date is likely within the next week or so. What will report is whatever your balance is at COB on the statement date. If you've made purchases since the last statement cut, or even if you paid the card 100% in full and you make purchases over the next couple days that post before the statement cuts, that balance is what will report to the bureaus. One exception is JPMCB. If you pay your Chase card to $0.00 at any point, they will automatically report a zero balance to the bureaus whenever the payment posts. I've had that happen a couple times and when it's unintentional I'm always surprised by the flood of notifications from the various monitoring services Capital One/Discover however do not do this. I don't know if you can call them and request an off cycle report if it's important. I know some cards do and some don't, but I don't really know which are which off the top of my head. If you're trying to get that zero balance to report for something like AZEO be aware that the *amount* that your card will report will be whatever it is on the statement date, but there is some lag between the statement date and the reports actually being reflected on your credit report. Usually it's a couple days, but I have had them take up to two weeks before. I was paying attention at that time because I was just trying to see what my optimized scores could be, and it was frustrating not seeing those reports

Called AmEx today, as my promo expired yesterday, hit a brick wall with the rep. Basically got "if you use the card regularly and pay it off every month it will go down over time". Well, I've been doing that for over a year... ah well. I'm just curious what kind of credit I need to have to qualify for their lowest rate... all my FICO 8s are over 800, I do have a car loan still on my report (paid off ~9 years ago), zero derogs, and every card is paid on time and in full every month. Every other card I'm at or below the lowest advertised rate. Also had an AmEx company card at my last job so they consider that I've been a "cardmember since 2017" even though that account doesn't show up on my credit. This is literally the only thing about my credit that I wanted to work on now... I have a Sunbit loan that caused a HP on my TU report in early January of this year. All other HPs are over a year old (the one I was complaining about above with the Macy's card was a year old on 8/18) I would like higher limits on my two Citi cards but can't request until 10/27 (Costco) and 11/23 (Double Cash) I actually started hitting the Double Cash hard this month because I hit $6k in online purchases on my AmEx last month (I'm not sure if I should be worried? But I did make some big purchases like a portable AC unit which qualified as online) I made myself a plan and now I'm at a loss what I should/can do next for my credit, I feel like this is pretty much job done at this point...? I guess I'll just call AmEx back in a month or so until they relent. Hey, I'm nothing if not persistent, I kept requesting CLIs on my Discover for about a year and a half until they finally relented

Happy Friday

Happy Friday I agree. We are not well. Collectively, and as a society...

For example, with Discover, now Capital One. I had a balance of $89 and change, I believe. Today was the due date. I paid it in full.. at some point today, it will change from "Processing" to "Payment Received." When it does, I will have a zero balance. Is that what will report to the bureaus?

Check with your State's consumer protection and/or financial fraud department. Send your letter to Global and copies to the most assessable State agency and add to your letter the names of the agency/agencies you are copying to .Don't bother with any Federal agency as they are (for now) paralyzed.

Luv ya, Kat ... but a little too tragic for me to laugh.

My questions for you: 1: Have you moved since 2021? If yes, have you applied for any other credit? Reason: If they don't have your current address it is highly unlikely they will be able to serve you with a summons. 2: How long has it been since you last made a payment, any payment, on this account? Reason: All States have a Statute of L:imitations. Most are 6 years but it can go from 3 (like here in PA) to 20. Check the SOL of the State you live in. ANY payment (or in some States even a promise of payment) re-sets the SOL. 3: How much are they claiming you owe them? Reason: It costs money to sue. If the costs of collection are higher than the amount owed, it is highly unlikely they will sue. Emails are cheap. Lawyers are not. 4: What is your current source of income? If it is solely Social Security, IRA/401K or Pension then it is safe. Reason: If so, the chances are even a Judgement creditor can not touch it. 5: Do you own any assets where ownership is recorded with any Governmental agency, such as Real Estate, Airplanes, Boats, or Cars? If no, see #4 above for the reason. 6: There is a BIG difference between between a Law Firm with Lawyers and a "Legal Recovery Department" of a Junk Debt Buyer staffed by Debt Collectors who are anything but Lawyers, which is what PRA is.

Received this email today: Thank you for reaching out and please accept our sincere apologies for the delayed response regarding your account. No one was able to monitor this email since the previous team member left, but I am now here to assist and will make sure this is taken care of for you. I have forwarded your inquiry to our billing department to carefully investigate this collections notice and locate the details for the 2024 service and corresponding EOB. They will take a close look at this balance and follow up with you as soon as possible. Thank you for your patience and for bringing this to our attention.

I went into their chat, I was hoping to use their chat to get presented a low settlement amount on ~$2500. They unfortunately informed me: So now I'm just asking myself what to do. I've been doing nothing, they have been my only derogatory on my report since about 2021. I am reluctant to contact them; given the department they are in, why would they want to cut a deal? They sound like they are ready to do Pressler and Pressler stuff. Should I continue to just ignore them? I got out of that chat pretty fast, all they have is my name and email... What advice do you all have?

I am a member of the AMEX family as of last night. It's a $500 Credit One Wander AMEX, but it is still an AMEX. I'm in the AMEX club now. Please school me on what this means? Doesn't it mean like a lifetime clock of age for AMEX membership or something, just like NFCU?

Received an electronic communication from Global Trust Management for a debt they claim I owe. I recognize the OC, but its been over 7 years (my state SOL is 10 years btw). I sent them a validation request, I believe its a version a sample letter from here, that ended with "Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action". This weekend I received back their response which included a signed affidavit of the bill of sale, which was really just how much they spent for the bundle of files not mine specific, and documents from the OC including a notice of first default from the OC, the disclosure statement, and a ledger of activity from said account......of a completely different person. Included is a letter to me from the debt collector, which I never received either electronically or physical which has my name and correct address. But the account number on that document doesn't match what they sent. So, in my book they failed to validate. Please correct me if I'm wrong here. I'm going to send a letter disputing and notifying them of the failed validation attempt. But my question is: how detailed should the letter be? I'm assuming simple so I don't do their job for them, but if I include an aggressive statement that tells them stop collection, remove me from their files, close the file and stop bugging me....am i opening myself up further to them? I can get a letter from Claude, but I don't want to be *Admin prohibits insults that reference an individual's intelligence.* about this. Thanks!

I was up late and very bored last night while recovering from neck surgery, so I found myself browsing the internet and decided to apply for the Coinbase One Amex Card. I already have other accounts issued through First Electronic Bank, and to be honest, their approvals have been all over the board for me. During the application process, they asked me to submit a copy of my ID, which I did last night. Since I didn't receive an instant approval, I wasn't quite sure what to expect. Well, I woke up this morning to a $25,000 approval! 😁 I was very pleased! My account is already set up, and I've added the card to my Google Wallet. It's not my highest credit limit, but I'm definitely happy with $25,000. Just like my other accounts, this one will be paid in full every month. And here's the funny part: before accepting the approval, I froze all of my credit reports to avoid a hard pull. 😋

Congratulations-- although you didn't get the information on her response you DO have the ability to save the data as to her telephone # she called you from.

Follow up - just got a call from Guide (not sure which of the 5 emails I sent it to took action) and a nice lady told me it was sent to collections in error (WTF?) and she would be having it removed from collections. I wasn't thinking fast enough to ask her to send me that in writing by replying to my email. Oh well, hopefully she keeps her word.

Thank you Why Chat. I'm trying to wrap my mind around the disadvantages of writing a letter to BRSI disputing the debt and hope you are willing to educate me a little further. My thought and reasoning: Once September 6 rolls around and I haven't replied, some switch at BRSI will get flipped, my case gets moved into an active collection status, and the phone calls and harassment will begin. Isn't that how collection agencies work? What if someone at Guide is seeing my email and takes the attitude of "We already sold this, I'm not going to bother responding" and just hits the delete button? I'm not disagreeing with you, and since it's a medical debt under $500 there is no potential harm to my credit score I am going to follow your all caps DO NOT RESPOND advice, but will BRSI really just give up instead of accelerating once the Sept 6 deadline passes? I did send one more email to Guide, this time copying every email address I could find on their website. TIA!

I've had to use them, somewhat. Life. Still trying to pay them off 100% each month. Soon I will update my balances and where I'm at.

I'm very sorry to hear about the loss of your pet. Losing a beloved pet is never easy. Unfortunately, Synchrony Bank is known for closing accounts that haven't been used regularly or have been inactive for an extended period of time. They've closed out a couple of my accounts. I was pretty upset at the time.