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  1. It was suggested to me to apply with BOA on the phone to try to avoid the shifting of credit lines between cards. I even mentioned my concern to the rep while applying, and it still happened to me. Wait 6 months, with solid payment history, they should return at least half of that which they took to the older card. That's what they did for me. Of course, different people will have different experiences, I'm sure.
  2. This is why I no longer answer my phone. In fact, if the phone rings, I already know it's not worth answering because anyone who I want to communicate with is going to send me a text.
  3. Ugh. Not sure if it was the post or this new version of CB, but there are ads covering the article.
  4. I think the reason people are AF phobic is because they are listening to other people - like Clark Howard - who puts out a general rule against cards with annual fees, but only seldom discusses that everyone should do the math to see if you'd benefit from a specific card. I suspect most people do not travel by plane more than once a year, if that. For those people, most AF cards are a waste of money. But, ya gotta do the math to be sure. And most folks don't like math. So, they just avoid them. These are the same people who shop at Amazon out of habit and convenience, as opposed to price-che
  5. Just my thoughts on the original post: Non-top 10 banks...are not as likely to deliver "top 10 credit limits", because they generally can't afford the risks the way the mega banks can. But - that is just my thoughts. Clearly, with NFCU, PenFed, etc - credit unions often give larger credit limits than most banks, as they are providing service to an investor/shareholder in the credit union. That doesn't mean that they provide all the convenience of frequently available bank transfers. NFCU - I've only been with them a short time, but they have a fantastic BT offer with no transfer fee and no
  6. My incident occurred 2 years ago and CFPB didn't care then. I also had to pay $25 for them to close my IRA account, despite me not requesting the closure. I only know one way to get that $25 back and it's illegal, but I sure was tempted to do it anyway. But, ultimately, they'd win, and I'd be making little rocks out of big rocks.
  7. CFPB did nothing when I asked for specifics on why my account was closed two years ago. For some reason, despite the laws forbidding the denying of credit for just any old reason - like your religion or race - the banks can just drop you and not disclose a reason. It boggles the mind.
  8. This is what they told me: "We can understand your concern regarding the closure of your account. We are not obligated to honor every transaction, and we may close or suspend your account. Sometimes we close accounts based not on our actions or inactions, but on our business needs. A letter is being sent to you advising of our decision." Oh..um...for the record, I'm not gay either.
  9. Hush money is best when you can talk about it afterwards.
  10. Did they come right out and tell you that? Seriously, given all the weak-minded crap Chase and almost every other bank has done at one time or another, it sounds like the perfect case of the pot calling the kettle black. No. In fact, neither Chase, nor USAA would give any specifics aside from "reputational risk", nor would they disclose the source of their information. And the CFPB was useless in getting the answers. That's just the only thing in my history that would suggest a rep risk in my mind.
  11. Unless you've been arrested in the past (like me). Pretty sure they'd love me to death otherwise.
  12. And....as I checked online to see my balance..."this account is closed". No letter, no call, no nothing. Ah well. My huge balance of 3.32 can sit there until the last day to pay. Too bad. Didn't even make it a full month. But at least I got a free $70 sign up from them.
  13. "IN THE FURTURE" ? Seems like a typo like this could change the meaning of their warning, couldn't it?
  14. Interesting. He declares bankruptcy - but despite all that "available credit" he had, he only got 10k cash. And his credit ruined for 7 years. And now, 5 years probation, but no bankruptcy. I never knew they could deny bankruptcy. So I learned something besides some people are stupid.
  15. This is an older tip; but somehow I'd forgotten about it. I'm sure I'm not the only one who's noticed that whatever product I was comparison shopping for seems to turn up on just about any website I look at - in the margins. Got a pair of shoes online last week - and the ads for shoes are still showing up. But - my tip is this: When you buy online, be sure you have more than one browser. Anecdotally, I can confirm that those who use Safari will pay more than those that use Edge, Chrome or Firefox. I was looking for tires about 6 months ago, and it was still true then. So, when price shoppin
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