Jump to content

latikeriii

Members
  • Content Count

    741
  • Joined

  • Last visited

Everything posted by latikeriii

  1. CLI from $1,500 to $5,000 on USAA. EQ pull. Card was originally at $49K but I got USAA'ed(CLD) since I'm not a full member. Working my way back up. Sent from my iPad using Tapatalk
  2. How can you activate a card without the 3-digit code? I thought they needed that as verification before activating online. Sent from my iPhone using Tapatalk
  3. Approved for $10K signature loan @ 8.49% at JFCU. Helps with some liquid and I'll easily be able to pay it off without paying a lot of interest. An installment TL is nice as well. Sent from my iPad using Tapatalk
  4. US bank business doesn't report to personal, well at least my two. Sent from my iPad using Tapatalk
  5. Call Citi. Tell them you are considering closing your AA card and ask to speak with retention. Tell the retention rep your work has changed and you don't fly AA as much. But that you like to keep accounts open blah blah blah. They'll probably offer you a spend bonus. 1000 miles every month you spend $1K+ on the card for 6 months or something along those lines. They credited me my fee back, don't know how. See my last paragraph. Weird but I'll take the refund. Card is still open too, I confirmed.I know how to read. I was giving you the next step. Got it, can use those extra miles too. Sent from my iPhone using Tapatalk
  6. Call Citi. Tell them you are considering closing your AA card and ask to speak with retention. Tell the retention rep your work has changed and you don't fly AA as much. But that you like to keep accounts open blah blah blah. They'll probably offer you a spend bonus. 1000 miles every month you spend $1K+ on the card for 6 months or something along those lines. They credited me my fee back, don't know how. See my last paragraph. Weird but I'll take the refund. Card is still open too, I confirmed. Sent from my iPhone using Tapatalk
  7. Received 13.99% BT offer checks from CITI. Used to be 0%. My credit is the same so I'm baffled why they sent me those insulting checks. Went to the shred pile. Sent from my iPhone using Tapatalk
  8. So I emailed Citi for a refund of the $95 AF for my AA card. It was denied rudely basically telling me that I could close the card if I would like if I confirm with them. I replied back stating that I was offered a credit for $95 if I spent that much and they said no. I then called the EO(they made a mistake on my Citi DC card) rep that I've been working with to ask for the credit and she said that they had no way to credit it and I'd have to go to retention to "try". So I figured that I had no chance and I gave up. 2 weeks later, I logged on to my account and the fee was credited back. I don't know what happened but I got my wish. Sent from my iPhone using Tapatalk
  9. You can talk them down to $6.66 monthly for their promos Sent from my iPad using Tapatalk
  10. After being rejected multiple times, I was increased from 10,500 up to 15,300. Largest CLI ever from them. Sent from my iPad using Tapatalk
  11. Update: I fought and fought but was only able to get my limit back to $1,500 with a hard pull. Had the TL for over 10 years so I won't close it now. Will just sock drawer it. Sent from my iPhone using Tapatalk
  12. Looks like this may be the start of a new trend.Are either of you full members? Any other products with USAA? Not full members but have savings and checking with them. Sent from my iPhone using Tapatalk
  13. Credit report and account performance. Credit report has no blemishes or recent surprises and I've never been late on it for the 10 years I've had the card. I don't use it much so maybe they're chopping CLs on customers that don't use it much. I do use it to pay my monthly credit monitoring. Maybe their exposure level is having problems and this is the start of a trend. Sent from my iPhone using Tapatalk
  14. I had the card and a savings account since 2006. I opened a checking with them 6 months ago but don't use it much. I did link the CC to the checking as overdraft protection(haven't overdrafted in over 15 years) but maybe that triggered an AR. Sent from my iPad using Tapatalk
  15. Looks like this may be the start of a new trend. Sent from my iPad using Tapatalk
  16. None at all. Sent from my iPad using Tapatalk
  17. Got it, I'll definitely request that report. Haven't done so in years. Thx Sent from my iPad using Tapatalk
  18. LN? Sent from my iPhone using Tapatalk
  19. I know Lexis Nexus but wasn't familiar with the others. I have no judgements, liens, etc that I know of. So baffled. I'm not military so maybe they're taking action against those customers. Sent from my iPhone using Tapatalk
  20. What would these reports show? Sent from my iPad using Tapatalk
  21. I did, nothing on there. So weird because I've had other recent ARs and everything was fine. Don't have many inquiries either. Baffled. I need to find a way to escalate my dispute. Do you have CC debt that is creeping upward? What is your total CC debt? It crept up a while back (1 yr ago) and now is dropping. 12% util. Income is good. My only guess is that I don't use the card enough. Utilization doesn't matter, nor does your income. I deduced your Util was probably not high, according to your stated score. That's why I asked how much actual CC debt you have. When you say it's dropping... at what rate? Have you acquired any new loans recently? DTI has risen significantly? Got about $35K debt, down from $50K one year ago. I did get a few new credit cards but I've been adding new ones every other year. I got a new installment line 5 months ago. DTI has dropped. Sent from my iPad using Tapatalk
  22. I did, nothing on there. So weird because I've had other recent ARs and everything was fine. Don't have many inquiries either. Baffled. I need to find a way to escalate my dispute. Do you have CC debt that is creeping upward? What is your total CC debt? It crept up a while back (1 yr ago) and now is dropping. 12% util. Income is good. My only guess is that I don't use the card enough. Sent from my iPhone using Tapatalk
  23. I did, nothing on there. So weird because I've had other recent ARs and everything was fine. Don't have many inquiries either. Baffled. I need to find a way to escalate my dispute. Sent from my iPhone using Tapatalk
  24. I'm sure. I receive real-time auto notifications whenever anything happens whether it's an inquiry, new account, etc. I've had a clean CR since 2008. Sent from my iPad using Tapatalk
  25. Hello, Apparently, my USAA Amex had an AR and my CL got reduced from $49,000 to $500. Ouch. The reason was account performance and my credit report. I've had the line since 06 and have never been late. I use it every month to pay for the credit monitoring. My credit scores are in the mid-700s so the reason is erroneous. My problem is that there are no backdoor numbers to USAA and the underwriters never speak to customers. I called twice earlier and the CSRs just said that there is no way to appeal and I'll have to put in for a CLI(hard pull) for a higher limit. What action should I take? Keep calling until I get a supervisor or just cancel the card since the $500 reduced TL could ruffle feathers with other creditors? Any new backdoor numbers? So annoyed but I don't think I have any other options. Thanks Sent from my iPad using Tapatalk

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines