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  1. Has any gotten 0% balance transfer offers lately? I used to get them all the time and now they're gone.
  2. I've never heard of cash back for a credit card balance transfer. https://www.langleyfcu.org/promo/visa-two-percent-cash-back Earn 2.00%* Cash Back With Your Balance Transfer It's easy to lower your rate and save money. For a limited time, earn 2.00% cash back on your credit card balance transfers up to a maximum cash back of $200. Transfer your high rate balances to a Langley Visa credit card between January 3, 2017 and April 15, 2017. Transfer today! Call 757-827-7200 / 800-826-7490 or visit any branch. Don't Have A Langley Visa? Apply Now *Your card's standard APR applies to the transferred balances. New balance transfers after April 15, 2017 are not eligible to receive the 2.00% cash back offer. The 2% cash back offer is valid only for balance transfers from other credit card companies, financial institutions, or department store credit cards and will not apply for checks made payable to you, cash or to make payments toward amounts you owe Langley Federal Credit Union. You will need to make sure to continue to make your monthly payments to the issuer/merchant until you receive a statement from the issuer/merchant reflecting the balance transfer payments, as transfers may not be immediate. Langley will not be responsible for any finance changes or late fees incurred due to your nonpayment. Transfers must be made by April 15, 2017.
  3. Yes pulled EX when I called to accept the preapproval. EX08 674, EX98 686. Also pulled Chex. I don't remember if they pulled when I joined many years ago.
  4. I received NuVision Federal Credit Union mail saying that I was preapproved for a credit card with a $10,000 limit and it listed a single interest rate instead of a range. I opened membership a couple years ago with a $5 deposit in a share account. I didn't have any other accounts or products with them. I didn't do anything for so long that NuVision deducted the $5 as an inactivity fee and closed the account. I received the preapproval mail a few months after the account closed. I called NuVision to accept the preapproved credit card, and they had to reopen my share account and I had to put in another $5 before they approved and mailed the card. Now I'm approved and the card is already on my reports, and I'm waiting for the card to arrive in the mail. It's two years since my discharge, and NuVision was not IIB.
  5. I was approved for the Costco Citi Anywhere card. I am 25 months post Chapter 7 bankruptcy discharge. Citi was IIB included in bankruptcy. EX pulled, and EX Fico 08 659 as of 2 weeks ago. Approval was not instant. I applied online, and it asked me to call in. When I called, I was told further processing was needed, and I was put on hold for a few minutes. Then I was told I was approved.
  6. I combined them all into one card with a limit just over $50,000. I was surprised because I thought $50,000 was the maximum limit.
  7. Barclays noting it sold it is not an attempt to collect. If the buying tried to report it, and the barclays trade remained, then yes it is a violation IMHO. Thanks. I guess I don't understand why a collector would want to buy a debt discharged in bankruptcy.
  8. Wouldn't any attempt to collect a debt that has been discharged in bankruptcy result in a violation of the discharge order or the Fair Debt Collection Practices Act?

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