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insolent1

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  1. insolent1

    FNBO?

    I had a FBNO card and was less than impressed. The website was particularly glitchy and often down. They seemingly prefer moderate to heavy card use and if you PIF, they won't provide decent offers.
  2. The adult entertainment industry is certainly not everyone's cup of soup, nor is the firearms hobby, nor religions; but they are all legal industries in the US and some banks should support them with transactional services.
  3. As if the henpecked prince cared about either his paternal grandmother or Canada.
  4. When you are promised a "pre-approval", but it turns out to be not guaranteed... https://abc7chicago.com/credit-karma-card-score-money/12199338/
  5. A speeding citation in California is likely to be a "traffic infraction", a minor violation unless the citation is not resolved and or the Court appearance is not made / sanction order is not resolved. If the Court cannot locate it and there is no valid bench warrant, Centex is right.
  6. What is one supposed to cancel when Amazon says that they don't list you as having Prime, eh? A case of minor credit card fraud, one might assume. Anyhow, one less card and one fewer customer of AMEX.
  7. It's my house and I can kill whatever credit problems exist in it. I'm not paying an annual fee for the privilege of being defrauded.
  8. I've checked with my old Amazon account and it shows I've ordered nothing and that I have no Prime membership. I'm at a loss to explain what AMEX is referring to.
  9. Long story short - I am now being billed for signing up for Amazon Prime and having never done so in the past 8 to 9 years. I disputed and AMEX has rejected the dispute. I am, as are most people, unable to prove a negative and they are sticking to their script. I haven't purchased anything from Amazon in the past four years. Does anyone know of a telephone number to the Executive Offices where I can civilly voice my displeasure and terminate my business relationship?
  10. Closing Cr*p1 when I did was an unanticipated good move. They want to be a national bank, but they act more like Credit One with each business quarter. They should let their current spokesperson, Jennifer Garner, go and hire Johnny Depp and Amber Heard to promote their business.
  11. Why the politics and false attribution? Social security was the product of the post WW1 generation, not those born after WW2. A significant percentage of the post WW2 got their Social Security time pushed back to 67+ years of age for full "benefits". I know that I never received the educational benefits of the GI Bill that the WW2 and Afghan/Iraqi war veterans got. I never used the VA home loan benefit, choosing to sink my savings into equity and pay off the mortgage quicker, and I've paid for my own funeral - eschewing National cemeteries because I'm no military hero. I'm retired, but I don't expect anything from the government.
  12. Like Burgerwars, I have had a USAA card for over a decade. No auto CLI, no requests for CLI, etc. It was in heavy use at one time and now, it simply sits and gets a tiny bit of use every 12 to 18 months. USAA is not the credit card issuer it once was.
  13. In this economy, close on the house and forgo sprees. That is a very thin file and aside from the likely auto denial from Chase [search for 5/24 rule]. Take your time and build age.
  14. Mine was around 13 points if i recall, but the knowledge that I have no mortgage payment is priceless.
  15. insolent1

    My Fico

    If you want to know what is on your credit reports, don't pay FICO. Simply order them from the big 3 every year. Charge offs fall off after enough time, successful disputes, etc. Goodwill letters rarely work in this economy.
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