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Genie

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Everything posted by Genie

  1. That's where I'm not sure which one to get... I've been thinking Discover it. https://www.creditcards.com/cash-back/ here it says Discover it can turn to $300 yet I don't know how easy that would be at 1% cashback being dupicated the first year though. Most of the other one's which I've seen say $200.
  2. Do the travel points expire and does it work for any airline? Is it easy to obtain the credits annually?
  3. Hello, I'm looking for the best card to pay for a $4k purchase. I've got the money but I'd like to use a card that will get me the most value back like in cash back or sign up bonus for spending a large amount. This is an orthodontist purchase but I want to get the most bang for my money. I have: AmEx everyday preferred, Capital One secure, CreditOne platinum. My relative has Discover it. I hope y'all can help with this!
  4. I mailed the dispute to Transunion with the extension agreemen... to my surprise today the 1 late mark is deleted. With Experian & Equifax I disputed online yet it still shows. I received the dispute reply from Experian with the late mark. I'm guessing maybe trying to dispute it by mail with the rest of the bureau's to see if it works better.
  5. The document was made early April after they had reported me late. I didn't know about it as I was informed due to the pandemic they were helping consumers. I don't think they had the extention option in March because they verbally said they'd give me time to pay and then in April it's when they were giving out these extension. Aside from that they billed me a late fee, which I didn't complain about. Most creditors are working with consumers waiving fees, etc. Yet my extension includes March and April. I contacted their executive offices, they deny help. Won't remove it on goodwill. Then, I me
  6. Yes, my signed doc says it's for 3/1 and 4/1. To pay 5/1 that it's been extended.
  7. Do you have a sample of that letter? They don't want to remove my 1 late mark and it's due to covid-19.
  8. My auto loan by Santander Consumer USA reported a 30 day late mark for March 2020 on my credit report. Before they reported this I had contacted them and they said they were assisting customers due to the pandemic. They agreed I could make my payment later and that I wouldn't have any lateness reported. I sent them a letter to request the removal of the late mark. I have a perfect 100% punctual payment record with them for over a year. This is the one late mark and it's due to a pandemic. After seeing they didn't remove I filed a dispute with the credit bureau as one of their reps suggested. I
  9. I’ve had my auto loan with Santander Consumer for 6+ months. I want to refinance like the dealer suggested to lower my payments. I pay $650 monthly and it’s $612 due every month. I have to confirm this information but I think the apr is at 17.05% & CL is $27,292.08 Who should I refinance with?
  10. Great tip! I'm using these cards for things like this from now on for the protection. My bank denied the claim twice and now closed my bank accounts. If this were those cards I'm sure I'd have the money back especially with the proof I sent them.
  11. Yes, I found the paperwork. It shows declined... which auto insurance do you recommend?
  12. Hi, yes I did find my agreement with Enterprise where it clearly shows my initials declining this damage waiver. I submitted this document as evidence to Suntrust, my bank with the rebuttal form and they denied it like they didn't even look through it. Now, Suntrust closed both my bank accounts in consequence of this. I had requested the documentation Enterprise provided my bank with they were promised many times. Months went by and I never received anything. Enterprise also didn't provide any documents but just an invoice. Enterprise says they escalated to the regiona
  13. Recently they applied for a bank card but the letter in the mail says there is no credit score available on Equifax, the bureau they used to make the decision. So it seems the card can't be opened due to that.
  14. This is what the rental company said: It looks like the insurance company covered the rental from December 13th until December 17th. From December 18th to December 26th, it looks like the main renter was responsible for the rental charges. I am also showing the Damage Waiver was added to the rental for an additional $21.99 per day. It looks like the insurance company did not cover the Damage Waiver. The total the main renter was responsible for with taxes and fees included was $566.04. They are charging me for a damage waiver. They told me in person that the same insurance I covere
  15. Hi, can you explain what you mean by real cards and not a debit card? Is that like an American Express?
  16. My card is a Master Card from Suntrust bank towards my checking account.
  17. My car insurance carrier is the same insurance carrier of the at-fault driver... I have progressive select and he has progressive american insurance co.
  18. I don't recall if I used my pin. I provided my card for the $50 refundable deposit as a requirement. The insurance (Progressive) would take care of the payments. I gave them my card because it was refundable. I offered cash too but I think they didn't accept it. I was billed around 6 or more times by the Merchant. I'm not supposed to pay anything. I returned the car in perfect condition. The insurance is paying directly. Seems they want to make more money off of me. The car is $23.99/daily and I only had it for a few days and I'm being charged more than it
  19. It’s for a car rental that the auto insurer is responsible for as my car was totaled by an at-fault driver. I have proof of the rental reservation they made (which they sent via text) and I also have a receipt showing the car is $23.99/day. Progressive is supposed to pay for the rental. I, however, provided my card as it was a requirement for a $50 refundable fee. So I didn’t provide authorization to be billed but I’m concerned they’ll use my deposit to dispute my rebuttal. It’s a lot of money that they charged me and I need this refund. Currently, my bank refunded me other transactions f
  20. Other than that I don't have a history...
  21. I'm in the market to finance a new car and have had a car loan before which I started in 2008 for 12k + interest from Carmax and I finished paying it completely a few years later but it's been deleted from all of the credit bureaus. I think it was deleted after disputing an error. I wanted it corrected but instead, they deleted it and now my credit shows no history of a car loan which could benefit me in getting the new car finance. Is there any way to get this loan to show back on my credit?
  22. No negative reporting, they just haven't used their credit
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