Jump to content

PotO

Members
  • Content Count

    7,797
  • Joined

  • Last visited

Everything posted by PotO

  1. If they could, they probably would. I personally know the CEO of PenFed and he certainly isn't the sharpest tool in the shed.
  2. What kind of Neanderthal thinks ... pulling kids out of school; selling their house / buying a new house; spouse quitting their job / finding a comparable new one; going from a 0% to 6%+ tax on every $1 you spend; and moving to the Shitty State of Texass, which has obviously r ... Ooops, can't say that word ... lawyers ... is a nuisance? Does it hurt when you think, Jethrine?
  3. At least they ain't stealing xxxxx from their neighbors. 😉
  4. It depends. If you have been maxed and making minimal payments, they might not have even had a chance to balance chase you, even though they wanted to. A large payment may just give them that opportunity. It's hard to say. But even if they do balance chase you, it's a small price to pay for all the money you will save on interest.
  5. Totally freaking incredible. Is that how banks operate in Kangaroo Land?
  6. If Chase will give you an auto CLI, they'll also give you a new card. 😉 No time to rest on your laurels. Up and at 'em to the next goal post!! BTW, great job!! 👍
  7. I smell b.s. Nice car, buying a house ... that's called struggling??? $200 in Uber charges that maxed out her credit card???? $200 in Uber charges caused her credit reports to crash??? Yup, a new Instagram star is born.
  8. PotO

    Early Warning

    Ok, let's forget about deposit accounts for now and focus on credit ... pure credit. EWS will claim there is no "credit" involved when opening a savings account or a checking w/o OD facility. How exactly does a credit card company use EWS when you apply for their credit card? With LN it's easy to show their involvement in the credit process with the "Four Stupid Questions" they often provide for ID verification when you apply. And that's probably where LN was forced (volunteered??) to provide a freeze function. How exactly does a credit card company use EWS when you apply for their credit card?
  9. PotO

    Early Warning

    That's logical, I suppose. But what if I always decline OD protection?
  10. PotO

    Early Warning

    The FCRA seems clear: 603 (p) The term “consumer reporting agency that compiles and maintains files on consumers on a nationwide basis” means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumer’s credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide: (1) Public record information. (2) Credit account information from persons who furnish that information regularly and in the ordinary course of business. The above describes who the FCRA obligates to provide freezes. You will need to prove that EW data is used in credit decisions. A checking account is not credit.
  11. As compared to stealing neighbors' mail order goods? Really sweet jacket. Is it your mom's?
  12. PotO

    Early Warning

    There are other uses. You know that.
  13. Unfortunately I didn't pay much attention to any specific dates mentioned, if any at all, before deleting the e-mail. You can call them and ask.
  14. They only matter to you. When I got my TR Visa back in 2014, I had a lot of inquiries on the bureau they pulled, EQ. Since then I have seldom had fewer than a dozen INQs on any one of the CRAs and all Comenity does is give me CLIs up to their maximum exposure. Mendy is not wrong when he says that when they pull the INQ excuse out of their butt, it's a cover-story for something else. By the way, just got an email from TR telling me to look out for my newly designed card to arrive soon.
  15. Does it hurt when you think? Ask your literacy volunteer next time to help you read for context. The only way you would have $2,500 is if you saved your monthly food stamp allotments for 6 whole months.
  16. I'm sorry to hear you believed that. By the way, seriously, I have this huge box of cash that I have been hiding. I'll share it with you if you just send me $2,457 for shipping and insurance.
  17. And no paywall that we often find here. 😃 Although if after reading the first post folks are -- hmmm, what's the right word here ... -- enough to think I was serious, they are probably -- it's a struggle, Marv, it's a struggle -- enough to think I get paid for every click on the link.
  18. Another critical thinker. 🙄 While I should have included a smiley face or some other clue in the thread title, I didn't imagine there were folks, other than the customary culprits, on CB that were r ... Ooops, can't use that word -- enough to think I was serious about Chase nerfing credit card rewards. I'm going to set up a GoFundMe so you guys can afford psychological help.
  19. Have someone re-read to you the question about what reason Chase gave you when they declined your CLI request. Anymore? I don't recall where in recent history you ever could request a CLI online with Chase.
  20. Well, Jethro, you should tell your sources to contact the press and set them straight. The report clearly states "The MSC Gayane is owned by JPMorgan Chase." Then we have the The Wall Street Journal: The MSC Gayane, which is owned by J.P. Morgan Asset Management and chartered to MSC, the world's second-biggest container ship operator by capacity, is "subject to possible forfeiture," U.S. Attorney William McSwain said in a statement. So either you have some really great sources, or you are just another turd pulling stories out of their ass. But who cares? It's as interesting as many of the other weird posts that show up here on CB. And anybody but some Neanderthal like you would think it's to be taken seriously anyhow. I bet you saw the post title and started getting cold sweats thinking you were losing your cashback on your $500 Chase Freedom card.
  21. Yup. CapOne is pretty good with not gouging you too badly on BTs.
  22. https://www.foxnews.com/us/philadelphia-cbp-agents-seize-ship-owned-by-jpmorgan-chase-after-1-3-billion-20-tons-of-cocaine-found-on-board JPMorgan Chase Bank needs to recoup the $1.3 billion lost when their cocaine smuggling operation got busted by Customs & Border Protection and their 20 tons of cocaine got confiscated. Since the cargo vessel, the MSC Gayane, owned by Chase, has been seized by CBP and federal prosecutors plan on keeping it, add an additional approximately $100 million to the tally. Jamie Dimon is sure to ask for a pay raise, too, when the retail value of coke goes up. Adios rewards.
  23. PotO

    Early Warning

    In the FCRA when it describes credit freezes, it states that the following are the credit bureaus that must offer them: 603 (p) The term “consumer reporting agency that compiles and maintains files on consumers on a nationwide basis” means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumer’s credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide: (1) Public record information. (2) Credit account information from persons who furnish that information regularly and in the ordinary course of business. LN offers the ability to freeze because their data is used in determining credit applications. So do several other of the specialty CRAs. I think the question is whether or not EW or its data used in the credit application process. I'm guessing it is, but nobody has pressed the issue. Also, since EW is directly owned by banks, they have the tendency to be richardheads anyhow.
  24. Every time Chase tells you "No" they give you a reason. What was it? I'll venture a guess and say that they told you something like "not enough experience with the account". Chase does not like thin files and even though you have 5 cards reporting, the fact is that all your accounts are new. Lenders consider an account new for the first two years. Further, Chase isn't generally big on credit limit increases anyhow. The best way to get a CLI with Chase is to not get a CLI. Instead, you apply for a new card and then after a while combine cards and limits into one card.

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