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nbipbm

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  1. Many believe that once you have a large limit with one lender then others will follow. For example, you have a 5000 limit on all your cards. You combine with Chase and you're up to a 20000 limit. You apply at Citi and the expectation is that they will give you 20000 or near it since Chase already has.
  2. When I used a debit card I had a few disputes. PNC credit the account instantly and went to work investigating. Obviously, it's better when the money being used fraudulently belongs to the credit card company, but it's not the end of the world.
  3. On the letter you get that lists multiple reasons for denial, it says that a late payment takes six months to clear for a credit limit increase. Likely, this will take the same amount of time.
  4. They had a card similar to this a little bit ago, but took it down after only a short time. Their cards always seem like just an extra thing, instead of something they actually want to focus on. They're just learning that 1 point should equal .01 instead of .002. Baby steps.
  5. So true. I was negotiating at a dealership and the guy kept going on about how to lower the payments by making a larger down payment, stretching the term of the loan, or lowering the interest rate. I told him that I couldn't care less what the payments were, I was concerned about the price of the automobile. Everyone can "afford" anything if the payments are low and people fall for it every time. I don't get why people don't read things before signing on. I can understand not reading 100% the cardholder agreement, but at least read the term of the promotional period. These no interest deals ar
  6. Lately they seem to be experimenting with different cards to see what will get people's attention. This is a plus over the 1.5% card as it's a Visa and obviously the 2%. You're charts are really nice and detailed. Thank you for taking the time to do them.
  7. BASTARDS!!!! Knew it was too good to last without some sort of limit. Oh well
  8. FOR YOUR AGE? That is CLEARLY a case of discrimination! I was 23 with about 200000 in personal credit maybe, so she just said that at that age it was too much credit to have. Now I'm 25 with 500000 in personal, so I don't believe I'll be getting a card from them any time soon. I lost about $100 in points, but I'll live.
  9. They closed all the personal cards I had with them two years ago, citing I had too much credit for my age. She said I could apply again at any time, so I applied for the Fidelity again a few months later and was approved for 15000. As soon as the statement closes the card is closed. I get the same woman and she says that I still have too much credit for my age and the analysts that approve the cards don't have anything to do with her. Silly to me that one approves and then she takes it away, but oh well. It reports as closed by grantor for me, but it's not stopped any approvals and no analyst
  10. I don't know if score matters that much to them for increases. I went from 10,000 to 20,000 without much use and the Equifax score they pulled was 'round 680 I believe, due to balances. I do use them for main banking for three businesses and my personal accounts, but I don't believe the analyst looked at all that while I was on hold. So, I really don't know what they looked at but I took the increase. I do have other cards with much higher limits, so it may be they granted it based on history with higher limits from other lenders.
  11. Barclays and PNC are often 0-2 % for 12 months. If I don't bite the fee goes down until it hits 0 and then starts over. Chase I get them every month for 1-3% fee for 2 months. If you don't have paper statments, they won't send any cheques but you can see the offer online if you click "transfer balances". US Bank is either 2 or 3% for fifteen months every couple of months. Discover is usualyl 3% fee for 12 months or 5.99 interest for 18 months Citi I haven't gotten in a while, but used to be 2% for 12 months I go from periods of using the cards frequently to not really us
  12. Banks will usually waive one fee if it's the first. If you get a really sympathetic person they may waive all of them, but it's unlikely. You also should settle the balance due because if you don't they may keep charging the fee until you do.
  13. I have what I consider to be good credit, but I'll get offers from Merrick, Credit One, First Premier and others. I've no negative information, but if I let some balances report and they get kind of high, that's when the offers will start coming in. After I pay all the cards off, the offers stop and I get good offers again. My guess is they look for certain things on a report and figure the person may jump at the chance for a "high" 1000 limit.
  14. Having never heard of Pilot, I wondered why a pilot on a plane would have access to people's credit cards in the first place. My brother had a problem with gasoline, but he's terrible with money anyway. The pumps he uses authorise only one dollar and he used to use his debit card. So he'd then go out and spend spend spend and then one week later when the transaction posted, he'd be overdrawn and complain about it. The pumps I use have never authorised more than the actual dollar amount, but it's a full service station and they have a mobile credit card machine. The lawsuit makes no sen
  15. um, quill sells office supplies mainly office supplies, breakroom supplies etc tend to be reordered consistently (weekly,monthly..depending on businesd) so of course it wouldnt be unfathomable for quill to expect subsequent orders I think you're missing the point. if Quill says this is a courtesy order, how many other people have gotten this same courtesy initial order, and believe they had a credit line? So my question rephrased is, if anyone has run into the need to prepay for orders after their initial order? Quite a while ago I got the first order through fine and the
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