Jeff15

Just an update...I never could get to the bottom of it. They weren't sure why it wasn't working, and it ended up expiring on January 30. If I happen to get another letter in February, I'll definitely research it more thoroughly. Very strange.

I get that, but it's very hard to believe. They've sent me 2 letters in the last 2 months. I don't have much activity month to month. Scores are in the 810+ range across all three. No debt (I'll let a small balance post here and there) and 2 other high lines with deep history. I use my accounts pretty heavily and pay in full each month. I have a bunch of offers when I login to my account. They say "You're already approved!" What's interesting is that even when I go to chase.com to access my account, there's a credit limit increase message. It tells me I qualify for a higher credit limit with no credit check, but when I click Continue, there are no offers available. It's very strange.

It’s definitely a genuine letter, I have no question about that. It references the type of card and the last 4 digits. The link they tell you to visit is a chase.com site. It’s just very unusual that their system isn’t matching what the letter says.

Thanks. Many years ago, I found their customer service to be horrible. Rude, poorly trained, etc. It's interesting, because I always see high regard for them here, so I imagine they've made a lot of improvements.

In early December, I received a letter from Chase saying that I was pre-approved for a $4000 limit increase. It seemed to be an incentive for updating my income. This had to be done before 12/31/2022. When I had gone to the website mentioned, I got the following message: "We can't complete this request. This offer isn't available at this time. We're sorry for the inconvenience. Make sure you keep your income up-to-date to be considered for future offers." I ended up giving up on this and had forgotten about it. Fast forward to Monday, and I received a second letter, this time for a $7000 increase. It has exactly the same message: "You're pre-approved for a higher credit limit on your Chase credit card. You can boost your buying power in two simple steps - with no credit check." Step 1 is to go to the link in the letter, and step 2 is to update my income information. As soon as I go to that link, I get the same message that there are no offers currently available. I have until January 31 according to the letter I received. Has anyone else gotten this letter, and if so, did you have any trouble getting the increase? I always try to avoid calling whenever possible!

I didn't even apply for it. I received the cancellation letter for Synchrony about a week ago (maybe slightly longer). Then two days ago, I got an email from Amazon saying I was approved for a Net 30 directly with them at the same limit as our existing Synchrony account. They didn't mention anything about the Synchrony closure, but I'm guessing that this was targeted specifically for that reason.

I posted this in another thread, but I got an email 2 days ago that Amazon approved me for a Net 30 directly with them. Same limit as Synchrony.

I got an email 2 days ago that I was approved for a Net 30 with Amazon (same limit as the Synchrony line). This was unsolicited...I didn't submit an application or request anything. I never received 5% off of my Net 55 PIF account. Was this a feature on the revolving line?

I believe it's this one here: https://www.bankeasy.com/ The web address for the credit card (under construction) is here: http://www.pfcardprogram.com/ Imagine how crappy this particular portfolio must be that this was the best buyer they could find.

Not sure if you saw my post above. The transition is to Premier Finance Card Program (PF|CP) issued by First Bank & Trust. I posted a link to the FAQs. This is my original post: The letter said the card will be transferred to Premier Finance Card Program (PF|CP) and issued by First Bank & Trust. I have never heard of them. The FAQs say that it is a "family and employee owned South Dakota state bank." Their website is under construction and will launch in the coming months. Sounds like a very sophisticated operation 😀. FAQs are here: https://www.about.us.hsbc.com/hsbc-in-the-usa/moving-forward/faq-customer-resources

The letter said the card will be transferred to Premier Finance Card Program (PF|CP) and issued by First Bank & Trust. I have never heard of them. The FAQs say that it is a "family and employee owned South Dakota state bank." Their website is under construction and will launch in the coming months. Sounds like a very sophisticated operation 😀. FAQs are here: https://www.about.us.hsbc.com/hsbc-in-the-usa/moving-forward/faq-customer-resources

I just received a letter today saying that my HSBC card is converting to some bank that I had never heard of. I'll have to look at the letter again when I get home from work.

Thank you. I will do this today.

1. I have old credit reports that would show the account opened date and the date of first delinquency. Hopefully this is sufficient. 2. This is the first time I am hearing from this collection agency. There may have been a previous collector, but this would have been 3-4 years ago. I have never spoken to any of them or made any type of payment arrangements.

I received a collection notice the other day for an old account with a DOFD from May 2012 (may even be slightly earlier). It is out of SOL in my state and is also past the 7-7.5 year reporting timeframe. They are listing the date opened as 11/20 which is totally inaccurate. What is the best way to get this deleted? I want to make sure that I don't do anything that could reage the debt and cause further issues. I appreciate any assistance.