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  1. I wish I knew the answer to this. I have an account that I closed 07.09.2018 which still shows up. Hopefully, it goes away after the one-year closing mark.
  2. I got into a huge dispute with TransUnion over this issue, when trying to get a fee-free freeze on my report (before the legislation which made it fee-free for all freezes). I filed the ID Theft Report with the FTC, completed a complaint with the FBI (since this was an inter-state issue), and filed a police report with my local police department. TransUnion wouldn't accept this as enough "proof" of ID theft and give me a fee-free freeze, stating that I needed to have a police report filed (which I did). Every other CRA gave me a fee-free freeze based pretty much on my word. TransUnion wouldn't do it despite overwhelming proof and effort on my part to protect myself. I hate them.
  3. Here's a copy of the letter I've written to Chase to reject the arbitration agreement. You might want to double check that the address and other specific information I mention in the letter remains the same for your particular cardmember agreement, otherwise make the appropriate changes before you mail it to chase. The deadline is 08/09/2019. JPMorgan Chase Bank, N.A. PO Box 15298 Wilmington DE 19850-5298 Re: Rejection of ARBITRATION AGREEMENT To Whom It May Concern: I am in receipt of my revised JPMorgan Chase Bank, N.A. <INSERT CREDIT CARD PRODUCT NAME> Credit Card Cardmember Agreement (“the agreement”), with an effective date of 08/10/2019. This letter serves as my official written statement, pursuant to Section 8 (ARBITRATION AGREEMENT) of the details on the changes to my account, that I do hereby reject this agreement to arbitrate (Arbitration Agreement). For your reference, here is my account identification information: Name: <INSERT PRIMARY CARDHOLDER'S NAME> Account Number: <INSERT ACCOUNT NUMBER> Address: <INSERT YOUR ADDRESS ON FILE WITH CHASE> If you have any questions or need additional information, do not hesitate to contact me. Sincerely, <INSERT PRIMARY CARDHOLDER'S NAME>
  4. Screw that. For the month of May, I made $272.72 in cash back rewards/discounts using my credit cards. That was even a light month. I pay-in-full every month, I don't pay interest. Why would I give that up on top of losing the other benefits/protections of using a credit card, plus open up my debit card/checking account to the potential risk of fraud? I also don't feel like carrying $15,000 in cash around to cover my monthly credit card spending.
  5. In your defense, granting a credit line to an 18 year old college student, who probably has very little income, is a bonehead move for American Express to have made. They knew what fire they were playing with. They got burned, and now they are taking their ball home with them. There are better lenders out there with better rewards programs. F' AMEX.
  6. It's been hard every time I've ever tried (online).
  7. I'd combine those old cards into the one that doesn't have an annual fee. Saving $79 a year on each is a tangible benefit for combining/closing the old ones. The number of FICO points that will change in 10 years is speculation. At the very least, I'd suggest asking customer service if they can PC the cards to one without an annual fee, one more time. If you aren't able to get anywhere with that, you could try contacting the Executive Office to see what they could do. It would be preferable to keep the old accounts, but only if you can get rid of the annual fees.
  8. I also applied for the 91-day CLI for DW's NFCU Platinum Visa. She was denied for the same reason. Her CL on the card is $10,000. She also has NavChek of $15,000. I found this to be an odd reason, since I have the cashRewards Visa with a $25,000 limit and the More Rewards Amex with a $27,500 limit. She is an AU on the More Rewards Amex. So my personal exposure with NFCU is $52,500. Her personal exposure with NFCU is $25,000. Yet, she's got their maximum unsecured credit line? Doesn't make sense to me, unless they are counting my accounts against her as far as credit limits are concerned.
  9. Thank you for the input @cv91915 and @PotO. Looks like this will be a good card for either me or DW to apply for, once we get our balances down on our other cards. DW does a lot of work travel, so it'd be nice to get more than 2% back on that.
  10. I'm looking at the NFCU Flagship Rewards Visa Signature card. I'm hoping someone can confirm/clarify my basic interpretation of the rewards structure. It's billed as having 3X points on travel, 3X points on everything else, statement credit (up to $100) for Global Entry or TSA Pre Check, with a $49 annual fee. If I were to redeem points as cash back, with 1 point equaling $0.01, then this is basically a 3% cash back card for travel and a 2% cash back card for everything else? Am I understanding this correctly? Additionally, does anyone know if the $100 credit for Pre Check is a one-time thing, or if you are able to receive this credit every time you renew your Pre Check? Does NFCU allow you to convert one product type to another? I have a NFCU cashRewards Visa Signature (which offers 1.5% cashback) that's in the sock drawer (or used for 0% balance transfers), since I have better rewards cards. So if they allow product changes, then this card would be of more use to me, if I'm interpreting the rewards structure correctly. Thank you for the assistance!
  11. https://www.buzzfeednews.com/article/nicolenguyen/debit-cards-suddenly-stopped-working-for-ally-bank-customers Be an adult and learn to carry some cash and/or a credit card for a backup. If you can't buy lunch because your only source of funding is no longer working, that's your own fault. And what's the deal with catastrophizing every problem that occurs in the lives of this segment of society? You didn't have access to your money for a few hours, that sucks, but be prepared.
  12. Is their name officially no longer stylized as MasterCard? Cripes... that's a lot of changes I'm going to have to make in Quicken.
  13. It took me 20 years to get off the Citibank blacklist. YMMV.

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