Please consider disabling your adblocker for CreditBoards if you have not already done so. This site depends on advertising revenue to stay online.
VISA MC policies
THIS FORUM IS NOW READ ONLY.
Complaints, discussions and rants regarding perceived merchant violations of CCC policy
973 topics in this forum
-
Pinned topics
-
- 14 replies
- 10,530 views
-
Other topics
-
-
- 23 replies
- 5,086 views
-
- 4 replies
- 1,091 views
-
- 6 replies
- 1,266 views
-
- 54 replies
- 7,450 views
-
- 42 replies
- 4,435 views
-
- 132 replies
- 61,948 views
-
- 3 replies
- 1,214 views
-
- 10 replies
- 1,568 views
-
- 53 replies
- 9,505 views
-
- 14 replies
- 1,471 views
-
- 4 replies
- 2,168 views
-
- 7 replies
- 22,411 views
-
- 2 replies
- 1,590 views
-
- 3 replies
- 1,286 views
-
- 18 replies
- 2,544 views
-
- 0 replies
- 1,645 views
-
- 1 reply
- 1,649 views
-
- 1 reply
- 1,067 views
-
- 6 replies
- 1,544 views
-
- 1 reply
- 1,489 views
-
- 7 replies
- 3,016 views
-
- 8 replies
- 1,412 views
-
- 13 replies
- 3,121 views
-
- 11 replies
- 2,844 views
-
- 8 replies
- 3,479 views
-
- 11 replies
- 4,332 views
-
- 5 replies
- 1,544 views
-
- 9 replies
- 2,470 views
-
- 12 replies
- 3,303 views
-
- 2 replies
- 1,128 views
-
- 2 replies
- 2,134 views
-
- 0 replies
- 1,284 views
-
- 14 replies
- 6,080 views
-
- 7 replies
- 1,961 views
-
- 103 replies
- 25,789 views
-
- 5 replies
- 17,878 views
-
- 5 replies
- 1,939 views
-
- 7 replies
- 1,885 views
-
- 7 replies
- 2,157 views
-
- 0 replies
- 1,927 views
-
- 0 replies
- 1,394 views
-
- 1 reply
- 2,261 views
-
- 3 replies
- 3,072 views
-
- 32 replies
- 8,478 views
-
- 0 replies
- 1,631 views
-
- 0 replies
- 1,486 views
-
- 15 replies
- 5,190 views
-
- 5 replies
- 3,047 views
-
- 3 replies
- 2,097 views
-
Recently Browsing 0 members
No registered users viewing this page.
-
Our picks
-
Has Chase become a multi-puller?
centex posted a topic in Credit Forum,
I elected to pull the trigger on the new United card the other day. As expected, there was a pull on EXP. No instant approval. I see a pull from the following day on a different bureau (TU).
I am curious whether this is becoming their new normal. Recording still has the 'under review' message.
Scores at the time of the respective pulls are somewhere between 820-838 depending on just which flavor of Fair Isaac modeling was utilized...and as near as I can tell, I SHOULD be under 5/24 since the one that would have put me at 5/24 had been opened in the early part of June 2018 (thus being OUTSIDE of the two calendar year window).
Last time I opened a non-auto product with them was in the days of the Continental PresPlus card which I ditched after the merger with United. I actually only expect to keep THIS one for the year since the fee is waived in year one and I want options for the airports that don't have a Centurion Lounge.
- 12 replies
Picked By
Pam , -
Paying off CC Debt
zpcsc posted a topic in Credit Forum,
Hello, I've been playing with my cc debt for a while now. I've opened new 0% accounts as suggested on these threads. When the 0% is over I transfer it to another one with 0%, accounts that I already have open. Now with the situation that we are all in, it's going to be a little tougher to pay more than close to the minimums. We owe a total of $25k, I've also worked with my DH's available credit for the 0% cards.
I am so tired of this debt! Our credit is good over 700's. I've thought about a personal loan since we receive lots of promotions on these, are these loans personally guaranteed?
Years ago they weren't but so much has changed.
Thank you for all the suggestions.
- 15 replies
Picked By
Pam , -
Can you all please give me guidance on my plan of attack 😢
Theirmomma posted a topic in Credit Forum,
First thank you for all the knowledge posted here, I have followed CB off and on for over 10 years.
So here is me current credit Pic and I don't know what approach to take... except getting credit one and the AT&T charge offs removed.
Once I receive me new unsecured Cap 1 I'm hoping that gives me a score bump because I really don't have any open accounts as you can see. Discover said no to their secured card 😢 I have been a member of NFCU since 97 but my account is dormant just need to deposit money in savings to make active. But I was thinking I need to wait until I clean up my TU and bring scores up before trying for their secured card.
I'm assuming the student loans are hurting me but didn't want to contact them until I got better guidance from you all.
I could desperately use some guidance from you all
Fico 8 eports & scores as of March 10
Experian 558
Citibank AU $6500 limit $4977 =76% usage - 9 years old never late - I disputed this account due to usage being high and it was removed- no change to my score
Belk AU $9000 limit $1666 balance = 20% usage- 20 years old never late
Care Credit AU$4000 limit $0 -no usage - 8 years old never late
Sears - closed AU no negatives
CarMax paid closed $19,117 -opened 4/14 closed 7/15
Acendium student loan 44 lates CO $2872 updated 8/16
EDSOUTH student loan 10 lates CO $1750 account transferred to another office last update 8/16
EDU SERV OF AMER student loan CO $1984 account transferred to another office last update 12/14
FED LOAN SERV- closed exceptional payment history 5/15
GLESI/ Bank of America -closed exceptional payment history 2/12
US DEPT ED/ GSLI closed CO $1017 seriously past due last updated 2/20
US DEP OF EDU/ GSLI closed CO $2701 seriously past due updaye2/2020
Inquiries
Cap1 3/20 - unsecured card $300 limit in mail
Discover 3/20 - declined secured card
TU 509
Belk - same
Care credit - same
CreditOne -paid- closed unkown payment history -CO bad debt updated 1/17
Discover -same
Sears-same
NFCU AU- closed updated 5/23 $20k limit exceptional payment history
Carmax-same
All the same student loan info
Collection
AT&T Mobility $1206 collection opened 9/18 updated 2/20
Inquiries Cap 1
EQ 535
Citibank same
Belk- same
Care credit same
Creditone same
Discover same
NFCU SAME
CarMax same
Credit union atl $3803 CO auto- opened 4/11 CO 12/14 - consumer disputes
EDSOUTH GLESI SAME
EDUC SERV AMER same
FED LOAN SERV same
FED LOAN SERV same
US DEPT EDUC same
US DEPT EDUC same
Inquiries
Cap1 same-
-
- 33 replies
-
-
BofA - Max CL/Based on Income?
Rogue posted a topic in Credit Forum,
Well as most of us know, BofA if nothing else, is at least fairly generous with their soft pull CLI requests on a regular six month basis. It has also been well established that BofA has a de facto MAX aggregate unsecured credit card limit of $99.9K for most mortals, however IIRC both Hege and PotO have exceeded this.
So my question pertains to MAX aggregate BofA unsecured credit card limits in relation to total income so that we can set better/more realistic goals and expectations with BofA and not waste our efforts in pursuing limits beyond the BofA underwriting paradigm.
My aggregate limits are just a fraction below 50% of total income, so how far should we push this?
-
- 24 replies
-
-
Nurse told me I’m in collections. Is that a violation?
MrsMoneyBags posted a topic in Medical Billing & Medical Collections,
So my ob office just called me back because I had a health question. The nurse told me I was due for an ultrasound but that they can’t schedule it because I’m in collections for $234. First, I had no idea we were past due but I’m not happy my nurse and probably my ob have access to my financial info. I feel like this could impact my care. I get being deactivated and not being able to schedule because of being past due. But the billing office should be the only one who has that info. If I called in, the receptionist should be the one to say they can’t schedule me until I talk to billing. It feels like a violation of privacy for the nurse to know bc it could impact how they see me and thus, how they care for me. Are drs and nurses allowed to know the billing info?- 4 replies
-
-
Posts
-
It's fair to say that Synchrony (or most any other issuer, for that matter) doesn't obsess over our credit scores. "Average age" isn't on their radar. So, from their perspective, it's likely that they see nothing amiss in closing an inactive account, even if it means that someone has to re-apply once they are interested in a new purchase from a co-branded retailer. Those of us who've been "credit impaired" at some point tend to want to do what we can to "tip the scale" going forward. So we bristle at an unanticipated account closure and engage in behavior that's a tad over the edge in the interest of keeping accounts open. -
Could have been worse...you could have been one of those fools that bought KODK as it pushed $60 last week. I was pissed that Ameritrade couldn't get enough shares for me to sell short when it was at $37 (and still dropping). Is at $14.xx today. -
RE: bolded. YES! They do. As to Discount...they know many people have more than one vehicle AND that Discount keeps sending emails enticing people to buy some crappy wheels. There are also some, like me (although without a Discount card), that go through tires frequently enough that SOMETHING is being replaced at least twice a year. Two of my cars are doing good if I get 12-15K miles out of the back tires...lots of driving combined with an aggressive yet soft compound (and 400 RWHP) will do that. But with five cars...the UPS guy HATES me but the Discount installers LOVE me... As to Mattress Firm...who knows.
-
thank you @centex @shifter @hdporter @mendelssohn two more questions as i negotiate with barclays: 1. it is an automated system and they are coming up with a number that does not work for me and i can't get to a human that can do anything 2. is it worth going through a hardship program (as i need to negotiate with other creditors also) or that 'looks' worse or is worse for reporting and it is better to do this myself? thanks! -
Do you have any unusually large balances reporting on other revolving accounts?
-
