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frank22

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  1. I can see why they wouldn't do a PC, what would they sell to Citi then? They can keep the customer by offering them another card, and sell the Costco account to Citi.
  2. I could see some readers here take this as "don't do balance transfers" but the savings for transfers can be huge and the score will work it self out in a month or two. Fine to point out but knowing the minutia of how scoring works can lead some to make bad decisions.
  3. Even if they waive it you are going to have to call every year to maybe getting it waived, for what? Not worth the hassle.
  4. Personally I would dump it if you are just in general rebuilding and aren't going to be buying a house for a year or two.
  5. It took a while but I was able to get my late taken down. I don't think it was considered goodwill though, they recognized they should have contacted me before it reached the point it did. It did take a couple of tries. What I did is I noticed that they only actually answered one question when you used the message system, even if related, so I messaged three questions separately. One got through to an assistant manager, he answered the question very well and left his extension. I called him and he was able to help. In my case you had to do a little digging, so it took a person with some experience to actually make headway. The actual goodwill request went nowhere except that if I didn't agree I could dispute it with the credit bureaus. My next step was to try an actual letter to the VP of Membership, glad I didn't have to do that. I don't know if it will work, but if you really want goodwill that will probably be the minimum. It might be a good try just to do the dispute with the CRA's and hope they don't respond.
  6. Checking lines of credit are great. With my local savings bank, if a check comes in that would overdraw my account, it just goes into the LOC with no charge except the interest rate. Instead of costing a lot of money it costs me 15 cents. I live by a DCU branch, but they don't have this. Instead they go after your savings and charge $5 each time. That was the deal killer for me, not that I plan on ever over-drafting, but I have had other accounts get hit with some auto payments that this has helped me on. Many banks don't have it, but I have always been able to find one if I look around wherever I have lived. I read about people complaining about overdraft fees, but here is a simple way around it just by looking for a bank with the LOC..
  7. I joined in 2011 after reading about it here. My father was in the Marines for a stint or two and then was in the reserves .He had not been active for 50 years, and was not a NFCU member. From what I read, that didn't make me eligible, but the CSR said it did. I don't even think she checked on proof about my father. but I may have had to fax them some sort of proof of my identity. From me my brother and sister joined. It was great because I had a 14K balance on other cards and I was able to do a 0% interest balance transfer, saving me huge in interest. My siblings did the same thing.
  8. frank22

    Amex Costco

    cashnocredit, It isn't clear, as it has both company's logo on it. I think it would be Amex though, it came with the Amex statement and the rewards are earned everywhere. I don't think it is much different than any awards, just that that it is only redeemed at Costco.
  9. frank22

    Amex Costco

    No, what they do is send out a voucher for the amount of your reward that can only be redeemed at Costco if you are a member.
  10. frank22

    Amex Costco

    I have been close to a year without Costco membership, and my card is still going with no fee. The negative is you only get the rewards if you are a member. Maybe when the full year is up they will charge a fee. I may sign up before then though.
  11. frank22

    Amex Costco

    Mine says that too, but I haven't been a member of Costco for about a year and no fee. From what I understand, what will happen is during the transition we will be converted to Citi. If we want a Amex card we will have to apply. There was a posting of Amex maybe offering other products to us, but I think there will be many choices that won't have a fee. A similar Amex card is the one you have, the Blue Cash Everyday Card, and that doesn't have a fee.
  12. frank22

    Amex Costco

    Why would you think there would be a fee? I am not sure what I will do because I don't love Citi that much, but I would bet the farm there won't be a fee.
  13. frank22

    Amex Costco

    Last Saturday I got a increase from $19,500 to $25,000 using the luv bottom.
  14. Here is what it says, it is just what CK has, much of my questions are 101 type stuff though. Name: NAVY FEDERAL CU Acct #: ######### Credit Limit: $ 20,000 Date Reported: 04/24/2015 Date Opened: 05/10/2011 Balance: $25 Past Due: $25 Acct Status: PAYS 31-60 DAYS Dispute ItemHide Details NAVY FEDERAL CREDIT UNIONP.O. BOX 3700 ATTN: CBR DISPUTES MERRIFIELD, VA 22119-3700 (888) 842-6328 Account Number: ################# Current Status: PAYS 31-60 DAYS Account Owner: Individual Account. High Credit: $14,070 Type of Account : Revolving Credit Limit: $20,000 Terms Duration: Terms Frequency: Monthly (due every month) Date Opened: 05/10/2011 Balance: $25 Date Reported: 04/24/2015 Amount Past Due: $25 Date of Last Payment: 09/2014 Actual Payment Amount: $0 Scheduled Payment Amount: $0 Date of Last Activity: N/A Date Major Delinquency First Reported: Months Reviewed: 47 Creditor Classification: Activity Description: N/A Charge Off Amount: $0 Deferred Payment Start Date: Balloon Payment Amount: $0 Balloon Payment Date: Date Closed: Type of Loan: yes Date of First Delinquency: 03/2015 Comments: 81-Month Payment History Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2015 * * * 2014 * * * * * * * * * * * * 2013 * * * * * * * * * * * * 2012 * * * * * * * * * * * * 2011 * * * * * * * *
  15. So, I paid a NFCU credit card late by 33 days. They said they "don't have a record of reporting (me) as late", but it shows on my report as 30-59 as past due. Under the missed payments section is says none. It only shows up on Equifax, not Transunion. I am using Credit Karma. Both Transunion and Equifax on Creditkarma don't have the green OK button for April where it shows history of payments, so it looks like the same info was reported, but Equifax is handling it different? The score did not go down with Transunion, but is down about 80 with Equifax. Does anyone know if there a difference, or is it just timing? Will it switch to 30 day late next month? I think I should wait and see what they show next month and then go from there, but I figure this is kinda basic, so many here should know how this works.

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