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TampaDude

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  1. Probably the most forgiving issuer, IMHO, is CapOne. They approved me for a $2K QS1 in 2015 when I still had an unpaid CO from them on my reports. Amex let my wife back in after 8 years, and she had burned them for over $7K and never paid them back. Credit Unions generally blacklist forever unless you pay them back in full.
  2. My brother has, shall we say, less than desirable credit (FICO score well under 500). He was looking at getting a secured card to start rebuilding his credit, then got an email one day from CapOne with a prequal offer. He did the prequal, figuring he had nothing to lose, but didn't expect to be approved. CapOne approved him for an UNSECURED Platinum Card! The starting CL was only $300, but damn...we were shocked that they approved him at all with such a low score. I told him, hey, it's not much, but it's a start. Use the hell out of it and always PIF. You should get a CLI in either 3 or 6 months, or both. He's on his way (back)...thanks, CapOne!
  3. Greetings, I haven't been on here in a while, but a friend of mine recently contacted me with an issue regarding Midland Credit Management. Her mother was contacted about a month or so ago by MCM regarding two charged-off debts. She has cognitive deficits so she is easily manipulated. She had previously fallen victim to internet scammers. The debts she was contacted about are well past the SOL, but they talked her into setting up a payment plan. She does not work, and is dependent on family for living expenses. They have already taken two monthly payments of $46, auto-billed to her debit card. She has no source of income that would be subject to garnishment, and her current address does not appear on any of her credit reports, so we are not worried about her being served or sued, anyway. We just want them to stop taking out the payments, and also getting the two payments that were already taken out refunded in full if possible. Any help on this matter would be greatly appreciated. Thanks, TampaDude
  4. As of September 24, 2021, your Blispay account will be serviced by Westlake Portfolio Management, LLC. Please contact Westlake Portfolio Management at (877) 285-6845 to make your payment or to discuss all matters related to your account. For questions regarding your account please contact a Westlake customer service representative at (877) 285-6845 from Mon - Fri 5 AM - 9 PM, Sat 5 AM - 2 PM (PST) or email WPMCustomerCare@WPMServicing.com You can also make payments online at myaccount.wpmservicing.com
  5. Yeah, they figured you were a high risk to hammer the card and then dump it before the $95 AF hits. I know I am. 😎
  6. Yup...the doors are closing left and right. Just this afternoon, I hit the remaining Walmart in my town that still let me buy Green Dots at $500 a pop with a CC. Ran the card as usual and it auto-cancelled the transaction. The register printed a small receipt that basically stated I had to use cash or debit. CCs were okay there a week ago, but no longer. They must have updated their software. Guess I'll have to start widening my hunt in order to feed my freebie machine.
  7. Well screw that, then...I'm calling Amex right now and cancelling my Plat! j/k 😂
  8. Heh, yeah...I've had that happen before. I got some Green Dots and of course I checked them in the parking lot just to make sure they loaded properly and weren't drained, and the first one came back with "Invalid Card Number". I about flipped out. It was a Saturday, so I figured it might just take a while before the card was added to their system. About 20 minutes later, all was well. Guess you gotta give them some time to be visible online, especially on weekends and holidays when the computers are extra busy. Another thing I've noticed is that not all Walmarts are the same. One will let you buy Green Dots at $500 a pop with no problems, but another store just a few miles away will not. I know it has to be some ad hoc policy at certain stores, because when they do let me use a CC, it gets approved no problem. I even had one manager try to tell me that "their system" won't accept CCs for VGC purchases, and then I just said, "Oh, really? Go ahead and run it." BOOM! APPROVED! Have a nice day! BTW, don't get too greedy. I had one of my CCs shut down hard for buying too many VGCs. I logged in to my account one day, and it was closed, with no warning at all. Was a solid 5-figure CL with a perfect payment history, too. That pissed me off, but that's okay, I have plenty of others to keep me warm. 😎
  9. Looks like a decent card. Pros: $300 SUB 3% on gas, dining, tolls, Netflix, etc., etc. Cellphone protection and other perks Cons: It's Amex, not Visa or MC Unfortunately, I burned WF in the past, so I'm probably BL. Anyone have data points on WF's BL?
  10. DW got back in after only 8 years. She burned them for about $7K, too. There is always hope.
  11. Thanks! I'll let you guys know what happens.
  12. Do you have any other Amex charge cards? Based on recent observation, if you downgrade to a green card, within a few months you will receive an offer to upgrade it to Platinum for 60k MRs for $5k spend. I just bought two $100 AA gift cards to use the $200 airline benefit on the Plat. Will they reverse any reimbursement if I downgrade? Should I wait at least one billing cycle or what?
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