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SmellyMonkey

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  1. $35K is the new $25K. I'm limiting my Synchrony exposure to 2 cards in hopes of having 2 $35K cards someday. I think if you want $35K cards, 3 would be the max, except for some people that already have more than that in exposure. I am still behind the curve then! Best I got right now is $18K. Will get there one day...
  2. Now you made me want to call them and ask for a CLI to match my other cards. You enabler you! Congrats on the CLI!
  3. Got a hospital bill for a charge that is 4 months old. No description of what this charge is. And, the due date is less than 30 days from the date on the bill. I honestly do not know if this is a valid bill or not; it might as well be but I would like to know what this charge is for. What is the best way to tell them to itemize this charge and give me time to review that before sending money if I do owe them? Note this letter came from hospital, not from a CA; we are not at that point yet.
  4. Chase Amazon seems not to like me. FNBO game m a 15->18K CLI on their own I contacted Barclays and asked for a 7.5->20; got 18 Since it was past the 6months mark since the last CLI, I asked AmEX for a 6->18 through their website and got it. Then I called Chase. And asked for 5->18. Got 10. I called the UW number and got someone really condescending saying that they noticed I have been in a CLI spree and therefore will only give me the 10K.
  5. Is the UW number for Comenity still 866-668-5450? Suggestion: include days/hours of operation associated with each number as we find them. Some (I believe the barclays one is one of them) seem to be M-F 8-5
  6. I got a new job this year and moved to another state. Make more money gross but not a smuch net because now I have state income taxes. But, have more opportunities here. I hurt my credit somewhat because of the move and getting place and the other crap you have to deal with when you move. But I am still above 700 in my lowest score and 760 with TU. Interestingly enough I now have $18K CL with AmEx, FNBO, and Barclays. So for next year I plan on paying those debts, seeing about increasing my remaining CLs, and then just gardening. I do miss having almost zero debit, but it was a small price to pay. I needed to get out of where I was and moving across the country does cost. I will say this has shown me the wisdom of having multiple cards and cranking their CL as much as you can: when you need them you do not max them out.
  7. When I first got DCU, I had to ask them for it. I can see if I still have the emails
  8. I would ask in writing -- registered mail -- to validate it. And tell them to only contact you by letter
  9. Send letter. What do you have to lose?
  10. The examples of the iron and the coat from Walmart help paint a sympathetic picture, but it could have just as well have been $80 worth of Jim Beam and p0rn. Whoa, whoa, whoa, hold... Wal-mart sells porn? From where? What kind? ... For some reason I was picturing a stripper with one of those card readers from square on the tigh lace thingie
  11. You supposedly can get Experian through FNBO
  12. jonson, did you contact their EO?
  13. Both chip and sign as well as chip and pin are huge improvements. The large majority of card fraud is from electronically stolen card data from the magnetic stripe. This digital data can be sold on ebay-like criminal sites. The data can be used by organized criminals that crank out new plastic and encode the stripe on the back with the stolen data. They sell these cards to mules or independent fraudsters who go shopping until the cards are shut down. This huge business will end after the risk shifts to the merchant if they continue to use strip readers on any card with a chip. As for "guessing" a 4 digit code that is actually fairly hard. First, the card has to be physically stolen from someone. But a card will also be shut down after a relatively few numbers of wrong codes are used. It's more a problem that Americans aren't used to entering pins and they are forgetful as well. There will be a significant number of people that can't or won't remember their pins. There is a reason people often prefer swipe and sign using a debit card rather than swipe and pin with the same debit card. While EMV cards can't be electronically stolen they can still be physically stolen. But this involves individual criminals and can't be scaled like was done at Target et al. Also, checking the signature works pretty well with EMV cards because they can't be cloned and signed by the fraudster. At least with humans. Pins work better with kiosks. The largest remaining fraud worthy targets are online purchases. This will probably require a two factor approach such as SMS to seriously reduce, a technique that could work well today with existing cards. A 6 digit PIN (as used elsewhere) is 100x harder to guess, but the financial institutions apparently think Americans are too dumb to remember one ...If someone can memorize their 9 digit phone number and a 9 digit SSN, they should have no problem memorizing a 6 digit PIN.But 10 digit home phone numbers (not nine) and nine digit SSNs are single instances in their lives. U.S. consumers generally have piles of plastic when compared to our friends in Europe. Keeping track of 10 or 20 pins would be difficult.With phone numbers though, U.S. consumers have gotten used to dialing 11 digits to call anyone, even in the same area code, as area code overlays and cellphones made the area code always required. We're coming up on five years together but my spouse still can't remember my home or cell numbers. That's what sharpies are for
  14. So I found out Subway is not setup to accept EMV even though they have the device. Bummer. I went in the next day to Wal Mart and bought a few things and went to pay with my UNFCU Azure card. I could slide it all day and it would refuse to be read, instead of telling me to use it in EMV mode, down to entering the PIN. Great, I thought. It works. Today I found something interesting about EMV. Banks really are pushing for chip and pin. Main reason is that it shifts the responsibility back to the user. As in the current US laws might see it as a glorified Debit Card down to its lame 4digit pin (Europe seems to use 6). So, if someone steals said card and knows your pin (how long does it take to guess 4 digits?), they can max your card out and it is your problem. It seems VISA and Mastercard of all people are fighting against that. I guess the reason is that since the liability is not theirs either way, they want to be seen as caring for the customer. Or something more nefarious. All EMV does is raise the bar for card cloners,

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