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PotO

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Everything posted by PotO

  1. Just out of curiosity, what's their concern over mandatory arbitration?
  2. What do you guess for a time frame?
  3. Steve, I sent an e-mail to a contact in the CapOne EO who has helped me before and gave him your contact data. Hopefully he will reach out to you.
  4. If I can get PisPay to $35k, color me one happy mofo.
  5. I had one phenomenal outcome years ago on the credit card side. I had a very good outcome just a month ago, but this time on the banking side.
  6. I'm at $35k on their Total Rewards Visa and they have not budged for four years. Probably helps that I only use the card for $10 three times a year. If I can double my PisPay to $30, color me very happy. Probably take Kat on a real honeymoon. AFAIAC, FinTech can suck 💩.
  7. In my experience it has been about five days to a week. I have a contact in the CapOne that I will share with you in a message.
  8. I'm sure you are right. I also have zero expectations Comenity will retain the PisPay terms, though it would be nice if they keep the 2%. My sole objective here is to retain the CL. Not that I need it, but I'm not ready to start the long, slow descent from Credit Whoredom that brother Hege is on. If I start down that path, it's just a matter of time before I hit toaster thievery. Someone please put me out of my misery when that starts to happen. Regarding Comenity, anybody know their maximum exposure?
  9. Doc has just reported that PisPay is now officially defunct having been bought out by Comenity. I know many here hate Comenity, yet I happen to actually like them. Ive had their Total Rewards Visa for about 5 years now with no problems at all and, by Comenity standards, a good CL. Some (many?) other say Comenity sucks server water and always has. Whichever way you lean, whatever Comenity is, they've been stable at it. Unlike PisPay. I hope PisPay RIH. Welcome Comenity!!!
  10. The Brookings Institution's "mission is to conduct high-quality, independent research and, based on that research, to provide innovative, practical recommendations for policymakers and the public." Failed.
  11. DiscoPanda, despite the title that Mom so lovingly gave me, I'm only looking out for your best interests. I understand about getting angry at Synchrony. I understand blowing off steam. I understand feeling abused. I understand the desire to show them who is boss. We've all been there, done that and have the kewpie doll. In this case I simply didn't see Sync trying to use and abuse you. I didn't see them maliciously trying to destroy your life. And I don't think stepping back to think things through before taking retaliatory action is called kowtowing. It's called being reasonable and prudent. It's called doing what is in your best interests. I don't know about you, but for most everybody else, there's nothing wrong with having an extra $100,000 in available credit slushing around in the background. I mean, WTF actually needs $25k or $35k on a stupid PayPal MasterCard, an Amazon store card or, heaven forbid, a JCPenney card? But it's nice to see it sitting there marinating on your credit reports. It's nice to see you have bullet-proof utilization. And it sure the fook is nice knowing that higher limits beget higher limits. And that's exactly what Synchrony does for you. Ok, well, there is that cool Marvel MasterCard. It's not called kowtow. It's called stepping back for a minute to reevaluate and then turning Synchrony over and you actually F them ITA. It feels good, and it's actually good for your credit. You've recovered on one card and actually made a profit on another. See how easy that was? Not sure about your other accounts ... will they let you reopen? You'd probably make a profit on those, too. Once you clear income and DTI, Sync is TU score driven for CLIs. All you need to do is call the nice guy with a funny accent and ask for $25k. Actually, if you don't mind POI, $35k is max on each of their cards, I think. I've already got three at $35k plus their JCP card and I'm probably at max exposure with Sync. Now don't you think $115k goes a long way to helping you get over the initial hurt? It sure would me. I see the benefits. I'm not going to cut off my nose to spite my face. All you need is income, DTI and score. If you haven't the score now, you will have it soon enough.
  12. It isn't the credit card industry that needs reform, it's the Depends-wearing Neanderthals with the IQ of a gerbil who don't understand third grade math. Start off with a simple examination on Personal Finance 101. Pass, you get a credit card. Not pass, an EBT card. Every year you can try again.
  13. Get it off your reports NOW. If you wait until it is reporting you are very likely to suffer some unpleasant unintended consequences.
  14. You think LendingTree would actually touch this guy with even the sh!tty end of the stick? When they turn him down cold, hopefully he won't come to CB and whine about it.
  15. Yes, it would have been sweet to see that appear on your credit reports, too, but the major accomplishment is becoming de-blacklisted. That itself is cause for celebration! 👏🏻👏🏻
  16. Sure, there are more than just you. Neanderthals had a tight-knit community. Remember to ask Barclays and AmEx for CLIs so you can keep plenty of tissues and ballsack thread in stock. Bet you go through a lot. Seriously, it's fun watching you cry. Makes us miss Tophie.
  17. That's because you have firing neurons and a ballsack. DP can't afford those because they nerfed his Care Credit.
  18. Oh, did those bad boys at Synchrony step on your itty bitty little ego? Shame on them. Have mommy call and talk to their parents. Yeah, coming here to rant and rave for a little while is to be expected, but after that people here sew their ballsack back on and start looking at things rationally. Maybe it wasn't your fault that CA stained your credit reports. Maybe it was. It certainly wasn't Synchrony's. The fact is Sync saw the derogatory tradeline and took swift, fully-appropriate evasive action. Everybody here knows that Synchrony is highly score driven. After a few billing cycles they will have that score decrease out of their system and you can call Credit Solutions and get everything back and much more. People here -- myself included -- have gone from $5k to $25k on each Synchrony account within 60 days of account opening with just one phone call. But your itty bitty ego can't handle that. Being the whiny little b!tch and firing Synchrony completely makes you feel like a man. Others, though, feel more like men by getting things off their chest and then letting everything slide. They go back in and get Synchrony to give them $100k and then laugh their butts off when other creditors see that and then loosen the chains to let them break out of all their other toy limits. But you like toy limits. Makes you proud.
  19. Nice to see being a whiny little b!tch works for you.
  20. Put a bandaid on your butt and get over it. After a couple of billing cycles when that infamous soft inquiry has disappeared from their systems, get the cards back up to where they were. And WTF are you even requesting online CLIs? Is your time worth so little? Everybody here knows that Sync is highly score driven when it comes to CLIs. Everybody also knows that the way to get decent CLIs is by calling Credit Solutions and telling them, "Give me 25 grand." Seriously, if you have no derogatories, a year or two of experience with Sync and a score around 750ish and you aren't close to having $100k with Sync (I think maximum exposure is around $110k), you should hate what you see in the mirror every morning.
  21. The last time I ever heard someone make a statement like that was ... never. I admire your whatever it was that inspired you to say that.
  22. I think it was a rhetorical question as in "WTF here actually pays interest?"

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