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Chexsystems Help

Discussion and help for consumers who have trouble getting a bank account.

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  • Our picks

    • Hello all!!
       
      I will try to make this as short and sweet as possible. I used to make much more money than what I am currently making. Never paid late on my cards until recently and I’m still never more than a few days late. My cards are all maxed out and it’s costing so much to keep up with everything. I thought about going on the hardship program with my cards but I think that might have a negative affect on my credit. My utilization is at 99%.  I just don’t even know where to start. I would love to just work on getting the balances down because I feel like the hard work will stop me from charging the cards up again. I have 9 cards. And I have no lates reported as I’m never more than a few days late.  
      GAP-200
      JCP-500
      CapOne-600
      Citi-900
      Walmart-1780
      Macys-2700
      Chase-3000
      BCU-5000
      Amex-5000
       
      Any advice would be appreciated!!
      • 11 replies
    • With an upcoming refresh of the American Express Green card there are several rumors swirling about potential improvements. Right now the Green offers 2x points on purchases through the amextravel portal and 1x on everything else for a $95 AF. Yawn. 

      The current rumors are suggesting a June/July/August launch bringing with it 4x on "gas" and 3x on "streaming services" with a wild card of free Amazon Prime with membership. Not awful at all if true. I'd be curious to see the caveats that will certainly come with the gas category, and the streaming services seem a little petty since I'm sure even the most die hard cord cutter only spends around 50-75 a month in service fees. As with all the other charge card refreshes I expect to see a bump in the AF to around $149 which leaves this a little underwhelming to me. If it's meant to be an intro to AmEx charge cards then it would seem to entice the everyday folks you need to include everyday expenses for instance, cellular service. Maybe free phone insurance for any service paid with the card, similar to the propel from WF. Just throwing daydreams out here. 
       
      Anything you would want to see with a potential refresh?
       
      Original link:  https://www.doctorofcredit.com/rumor-american-express-to-refresh-green-card-4x-on-gas-3x-on-streaming-more/
      • 23 replies
    • Hi all,
       
      Wondering if anyone has personal experience with having a civil judgment made against them that then lapsed / expired. A family member is wishing to transfer property to me, but I am concerned due to a couple of judgments from the most recent recession. I know it's not the wisest route, but due to my circumstances at the time and several years following, I essentially did nothing (didn't respond to letters, people trying to serve me, etc., definitely didn't make any payments). I didn't realize until recently that judgments could be revived. At this point, I don't want to declare bankruptcy when it's almost been 10 years... I should have just declared BK at the time of the judgments but obviously wasn't educated.
       
      Any help / thoughts appreciated!
      • 14 replies
    • I have an Amex blue cash credit card with zero introductory  plan it feature that helps you finance anything over 100$.
       
      What happens to credit utilization rate if I have 1000$ credit limit and I finance a 1000$ purchase for 10 months? Is it gonna be %100-%90-%80 or %10-%10-%10?
      • 9 replies
    • My son in college, playing baseball was injured and sent for an MRI. They used my insurance information. I never received a bill. I was expecting the school to cover the bill since the baseball coach and AD sent him for the MRI. Anyway, we recently pulled his credit file and its showing as a collection on his reports. I disputed as "not mine" but it came back as confirmed.
       
      How do I proceed????  contact the school 1st? Why Chat do I just follow your procedure?
      • 9 replies
  • Posts

    • Well it looks like US Bank also eliminated the FTF on this card and there is currently NO annual fee listed for the World Elite Card...   The APR may vary and as of 8/2/2019 the variable APR for Purchases and Balance Transfers is 12.99% - 24.99%, based on your creditworthiness. The variable APR for Cash Advances is 25.99%. Cash Advance fee: 4% of each advance amount, $5 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 4% of each cash amount, $10 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $2 minimum interest charge where interest is due. The annual fee is $0. Foreign Transaction fee: $0.
    • So apparently US Bank has just upgraded their entire portfolio of the co-branded REI World Mastercard to the World Elite Mastercard.  This happened within the last week and the notice to front line CSR's was sent yesterday.  I have not received anything about this yet, however my new statement now has World Elite Mastercard printed on it.  If you call the number on the back of your REI Mastercard (877-734-6060) the recording now states 'thanks for calling REI Co-op World Elite Mastercard customer service."   And the REI Mastercard application page also now states that this is a World Elite Mastercard with some slight new color changes to the original card design: https://www.reimastercard.com/credit/welcome.do?redirect=DirectTrafficsec&lang=en&exp=   I do not know when customers are to receive any information about the upgrade or if there is a scheduled rollout to replace our existing cards. Anyway, nothing too exciting, however I will take a free upgrade any day!
    • And now that they are gone, the US is much saner.     I've been across Panama and it is no paradise.  There are places in South America that are far better ... in every aspect.  
    • “Some things are expensive in the area, like eating out, which might cost “$40/person at upscale restaurants, or $10/person at a medium scale restaurant, or $7/person at a tipico Panamanian restaurant,” shes says   $40 for upscale dining? Where do I sign up
    • Actually, Neanderthal fits.   You see, Einstein, you need to search current, relevant threads.  CapOne does sometimes graduate their secured cards.  Depending on one's profile, they have been known to graduate some after a year and some around two years.     But as you so correctly stated earlier, you don't know shite.     In any event, calling after a few months to ask the "requirements" is hare-brained.   You are welcome. 

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