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  1. They are not into that whole "save paper" thing lol.
  2. Right. I believe they reissued them all after the infamous Target breach. If it doesnt say Visa or MC on the front, then it's a glorified Store card that gives 5% off.
  3. I believe then that is a Store card, and gives the 5% off in the store only, as you said. Does not have a Visa or MC logo on it, right?
  4. Torpedo

    Swimming in credit card debt

    Similar to what I have. $25 a month, 1GB.] Phone cost 40 bucks That is if everything goes smoothly. As to the topic, am in the same boat. It's all about reducing spending, while increasing income. Burn the candle at both ends. For those monsterous bills it may take a year, even more! of really hard work, but it is by no means impossible. Shop at Walmart more Shop at Amazon for everything else Check the dollar store for items that you may not expect they have good deals on. Shoes, household, even food Walk more Work more Spend less Repeat
  5. Torpedo

    How bad is this for dh? Regarding MY mistake with Amex

    Don't beat yourself up too much. It happens to all of us.
  6. Torpedo

    Swimming in credit card debt

    You can get phone service for $25 a month. No contract (month-to-month) Big huge +1 to bagged lunch and cans of tuna. I recently found out I can get cans of tuna for 80 cents a can, and that they cost better than the expensive stuff. I had to switch stores.
  7. Torpedo

    Where Was Your Card Declined Today?

    Hopefully, my card is not being declined anywhere. If my card is being declined, it means I don't have any money. That said.. The next place may be somewhere in the mall.
  8. Torpedo

    Collections question - not on credit report yet

    I thought they weren't allowed to see it?
  9. cv, what do you think of Costco? Is it more cost-beneficial to pay the membership fee for these places, and shop exclusively there?
  10. Torpedo

    Collections question - not on credit report yet

    If it is not on your credit report, then there is nothing to head off at the pass. Is this your first collections?
  11. Torpedo

    Capital One Hardship Program

    Pay it off as fast as you can. Also, congratulations on reaching the agreement with them.
  12. I have had similar experiences.. seems that, if you have never disputed, do not dispute all the time, or if it is under a certain dollar amount, a credit is simply issued, overriding any objections by the merchant. I have read reviews from some merchants that talk about how the card refund policy can go all the way, and force them to issue a credit/refund even when no valid cause exists to do so, for the face of customer service.
  13. Torpedo

    Innovis Credit Report

    Here is the link to get it from Innovis. https://www.innovis.com/creditReport/index I have written a paper request for the big three, should be mailed out today. Experian. P.O. Box 4500. Allen, TX 75013. Equifax Information Services, LLC. P.O. Box 740256. Atlanta, GA 30348. TransUnion, LLC. Consumer Dispute Center. P.O. Box 2000. Chester, PA 19016.

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