Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.


inoubliable

Members
  • Content Count

    599
  • Joined

About inoubliable

  • Birthday October 9

Recent Profile Visitors

361 profile views
  1. Aww. I didnt know that. I havent looked over there in a while but I used to. They went with a story I emailed them about in 2012. Felt pretty cool that day. Lol.
  2. Looks like LG is going to be a winner here. I really want another French door fridge. I just wish I could find something without the ice maker. Theres no line in our house for it. The plumber can put one in easily but I cant shake the thought that an ice maker is just one more thing to go wrong and need fixing.
  3. Thanks, all. Going to check out LG and Consumer Reports.
  4. So...how big is this fee do you think? I mean, the interest rate is already 20%+ in these types of loans, right?
  5. Were looking for a new fridge this weekend and this one from Lowes grabbed our attention a few months ago. Were going back this weekend to look more. https://www.lowes.com/pd/Samsung-28-15-cu-ft-4-Door-French-Door-Refrigerator-with-Ice-Maker-Stainless-Steel-ENERGY-STAR/50143406 Where does everyone go to research kitchen appliances?
  6. Remember the incredible claim of a $25k new truck? Well now the story is that it actually cost $30k. I have this update because they decided to come and show us their new 2018 Jeep Wrangler, that they purchased at a dealer known for doing subprime loans, for $37k. How, I dont even know. She was sued twice for defaulted credit cards this summer and a judgement entered for one of them. Couldnt afford to pay the $700 she owed to her Walmart card but could get a loan for the Jeep? And how did they finance the RV they bought this summer? So how do subprime car loans work? Someone here does car loans, right? I can't understand how any bank would finance them. I thought subprime car loans were for folks with a late payment or two from a divorce, or a medical collection, but with high income. I thought that if you had worse credit than that, that you were left with buy here-pay here options. That doesnt exactly describe whats going on here. Is there a...sub- subprime type of car loan? Seriously curious. I found this: https://www.marketplace.org/2017/06/21/economy/subprime-auto-loans-rates-why-worried-economyabout subprime loans, and it makes a reference to deep subprime loans. I thought that was those places that give you a cash loan against your car title, though? These people are going to come crying in a few months about needing gas money to drive a few states away and take care of one of their criminal childrens legal issues or their $900 electric bill. Ffs.
  7. Very much so! One stupid mistake on my part had a bigger impact than I could have imagined. Just to follow up, in case anyone else ever has this happen with CapitalOne... I called in to CapitalOne360 to ask why I couldn't add new accounts to the external accounts section and no one had a clue. I asked if it had something to do with my CapitalOne credit card payments getting screwed up and I got transferred to the credit card division. The people there assured me that the decision to close the cards wouldn't have an effect on the checking and savings with CapitalOne, and they invited me to apply for the Quicksilver. Just for fun, I did. And of course was denied. The reason came in my email last night - "activity on a prior Capital One account that is not consistent with our expectations for account usage...". Within hours, I got another email letting me know that sending or receiving transfers with my CapitalOne360 accounts were now subject to their discretion. After confirming that all funds had been transferred already to another external account, I called to close. Good call, Konrad. My husband called in and closed his credit cards and bank accounts too. And this morning, he got the email that his 360 accounts were similarly going to be restricted. Oh well.
  8. I've been trying to find this out. I tried to add our TD bank accounts yesterday morning and there was no option to add another account. I know you can only link three accounts but I only had one linked already. As of right now, I can log in and see those accounts are open and have the correct balance but I think you're right and I need to move that money. Crap.
  9. No reason for your husband to close his.He had been considering this to avoid the annual fees before they closed mine. He called in after I did to ask about changing products to a no-annual fee card and was told that he'd have to close one to make room for a new account and then he could apply for a new product, and then close the second fee-card. He's not sure he wants to bother.Did he try to PC online? I recently changed my platinum to a Quicksilver online. I don't know. I'll ask. One of the cards is an old secured card. They returned the deposit a long time ago but it's still considered secured and ineligible for PC. No idea on the other but I know they've said "no" in the past.ETA: just did it. They upgraded him to the Quicksilver but kept the fee and they've declined a CLI. Definitely closing the secured card but not sure what to do about this Quicksilver. I would close it because of the fee and the fact your small spend won't off set that fee. good luck Looks like that old secured card is getting closed. There's a wonky available credit to it even though the payment was for the full amount we charged earlier last week. Balance shows zero. He chatted with a rep to ask when the available limit would be updated and they could only tell him to wait and see. Both of my accounts looked like that last night before getting closed. It's not restricted but they asked if he had plans to use it today which seemed odd to ask.
  10. No reason for your husband to close his.He had been considering this to avoid the annual fees before they closed mine. He called in after I did to ask about changing products to a no-annual fee card and was told that he'd have to close one to make room for a new account and then he could apply for a new product, and then close the second fee-card. He's not sure he wants to bother. Did he try to PC online? I recently changed my platinum to a Quicksilver online. I don't know. I'll ask. One of the cards is an old secured card. They returned the deposit a long time ago but it's still considered secured and ineligible for PC. No idea on the other but I know they've said "no" in the past. ETA: just did it. They upgraded him to the Quicksilver but kept the fee and they've declined a CLI. Definitely closing the secured card but not sure what to do about this Quicksilver.
  11. No reason for your husband to close his. He had been considering this to avoid the annual fees before they closed mine. He called in after I did to ask about changing products to a no-annual fee card and was told that he'd have to close one to make room for a new account and then he could apply for a new product, and then close the second fee-card. He's not sure he wants to bother.
  12. I think you're right. Just Googled more and it looks like the cards are just dead. Also looks like Capital One might be cleaning house a bit lately? Oh well. We've had these cards for over 5 years. They are our lowest limit cards and we haven't gotten a CLI in years. Looks like my husband is closing his tonight and we're moving on.
  13. I went online Friday morning to pay my Capital One cards, and my husband's. We were using a new checking account number and cut and pasted (stupid mistake!) the new account number in. Yep, the account number was incorrect. Transposed a couple of numbers. Saturday morning, I realized what happened and saw the payments had been returned. I called in and the rep said she didn't want to take my payment over the phone, concerned that I didn't have the correct account number. Okay... So, I went back to the website and submitted all four payments again. I checked this morning and all four have cleared but my accounts are closed and restricted. Just got off of the phone with them, escalated as far as a "senior account advisor" who tells me that it was "a business decision to shut down both cards because of the returned payments" and that my husband's accounts would remain unaffected. I asked why, since neither of us have EVER had a late payment or returned payment and we PIF. Had these cards since 2012. She had no idea and invited me to apply for a new card. Bah! Any ideas on pushing to reopen them? I asked and she said there was no way, it's permanent, but is it? I've heard that sometimes Capital One will reopen closed or restricted cards, but maybe that's for folks who were making late payments? Should I expect them to close my husband's cards? Think this will affect our CapOne360 accounts? ETA: none of these cards were cards we used often. A couple of times a year to keep active. Low limits kept them from being very useful. All had annual fees and we were considering closing them by July to avoid the fee, anyway. Maybe this isn't a bad thing at all.
  14. Another vote of confidence for LastPass, here.

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines