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Found 80 results

  1. I have a small loan through a loan company. Usually I make the payment through my bank, with my checking account. A couple of weeks ago, I made a payment with my PayPal debit card. Yesterday I saw that the loan company, on their own, pulled the payment I was to make today, off of my PayPal debit card. My PayPal account didn't have enough for the payment, so PayPal pulled it out of my checking account. End result, is the current payment is made, and I am baffled and irritated they used my debit card to draw the payment. I did NOT authorize the company to use the card. What is this? I talked to PayPal, and they said the loan company had "permission" to use my debit card, since I had used it in the past to make the payment, so they could pull the payment now. Could someone give me more information about this? I have never heard of this before. PayPal did tell me the only way to stop the pull now was to cancel the debit card and request a new one with a new number. I will do that.
  2. https://www.doctorofcredit.com/the-amex-offers-multi-tab-trick-is-dead/?utm_source=dlvr.it&utm_medium=facebook
  3. https://www.thisisinsider.com/why-i-dont-have-a-credit-card-2018-8
  4. Here is my current card line up that sees the most use. Amex PRG Amex Delta Blue Citi AAdvantage MileUp (Recent PC from Gold. Card is in the mail). Citi DC Chase IHG Thinking of app for the Citi AAdvantage Platinum Select for the 2x on gas and dining to compliment the 2x groceries on the MileUp. Mrs. Vig has an increased desire for domestic travel. Little Vig has a desire for international. Asia and Middle East. Currently I'm sitting on 832k SkyMiles, 187k AAdvantage miles, Chase IHG 140k and 120k Amex MR. I've been heavy with SkyMiles for eternity...…….a shyt load came over from Northwest back in the day. No travel plans or dates have been set. Anybody here have more than one card with the same airline to pad the mileage account? I'm looking long term, not just the initial sign up bonus.
  5. Does anyone happen to know if Dell Financial Services has a uniform reporting date for the personal accounts – if so, what date? I just got a new DFS account and I made liberal use of it to get the 9% rewards, but didn't get a chance to pay it off before it hit my reports, two days ago. 😓
  6. http://www.emissourian.com/local_news/crime/stolen-credit-card-found-at-campsite-woman-charged/article_13ef491a-40ff-5626-92ac-c7e723c4e37e.html I'm normally not judgemental, but...
  7. https://twocents.lifehacker.com/credit-cards-still-charge-interest-after-you-die-1827929097
  8. https://onemileatatime.boardingarea.com/2018/07/11/aadvantage-mileup-card/?utm_sourcemedium=OMAAT+Facebook
  9. https://money.cnn.com/2018/08/04/news/companies/wells-fargo-mortgage-modification/index.html Wells Fargo said the computer error affected "certain accounts" that were undergoing the foreclosure process between April 2010 and October 2015, when the issue was corrected. About 625 customers were incorrectly denied a loan modification or were not offered one even though they were qualified, according to the filing. In about 400 cases, the customers were ultimately foreclosed upon. The embattled bank revealed the issue in a regulatory filing this week and said it has set aside $8 million to compensate customers affected by the glitch.
  10. Wells FargoWells Fargo is launching a new rewards credit card, a revamped iteration of its Propel Card. The card will earn 3x points per dollar spent on dining, transit and travel, and streaming services, and 1x point on everything else. Points can be redeemed at 1¢ each toward cash, gift cards, travel, or more. The new Propel will have no annual fee. The card directly competes with premium products like the Chase Sapphire Reserve, although that card potentially offers a higher redemption value. Applications for the new Propel will be available on July 16. If you're interested in opening a new card or earning a sign-up bonus sooner, read our guide to the best credit card rewards, bonuses, and perks currently available. Wells Fargo is announcing a new rewards credit card today that will offer one of the more compelling rewards programs available, taking direct aim at the premium products offered by issuers like Chase. Despite offering a robust rewards scheme, the card will have no annual fee. The card is a re-launched version of the bank's Propel Card, which was available in the past, before being closed to new applicants in February. Current customers of the original Propel will be converted to the new card and benefits automatically. In what seems to be a direct assault on the popular Chase Sapphire Reserve, the new Propel card will offer 3x points per dollar spent on the same categories as that card — specifically, dining, including restaurants and bars, and travel, which includes bars and restaurant delivery services. Additionally, the card will offer 3x points on streaming services, and 1x point on everything else. The Propel Card, while issued by Wells Fargo, will run through American Express' payment network, and will consequently offer a number of purchase protections and offers through Amex. Points are redeemable for 1¢ each toward cash back, gift cards, purchasing travel, or more. In this area, the Chase Sapphire Reserve carries an advantage in spite of its annual fee; points from that card are worth 1¢ as cash back, 1.5¢ toward travel purchased through Chase, or a variable value when transferred to frequent flyer partners— potentially well over 1.5¢ each. Despite the relative redemption limitations, the Wells Fargo offering remains a surprisingly strong contender from a bank that's been less of a major player in the rewards space, and a valid option for consumers looking for a more straightforward rewards program than what Chase offers. "Points can be redeemed for travel, gift cards, charity donations, or cash back at a rate of 1 cent per point, so effectively you'll get 3 cents per dollar spent on travel, dining, gas and streaming services," said Brian Kelly, Founder and CEO of travel and credit card rewards website The Points Guy (a partner of Business Insider). "That's a solid return, especially for a no-fee card." According to Bev Anderson, Wells Fargo's head of Cards and Retail Services, the card's rewards program was designed directly based on customer feedback. "We sat down with a diverse group of customers, including millennials and older generations. We wanted to understand what they like about their cards today, and what they want to see more of" said Anderson. "We built the Propel around the feedback we received, and planned a product for sustainability." While the Propel does not allow you to transfer points to frequent flyer programs like the Chase Sapphire Reserve does — which can be a more complicated redemption method, but can also allow customers to get outsized value for their points — the simplicity of redemption is expected to appeal more to customers. "We're continuing to innovate, and the ability to transfer points, as well as other features, is in our potential roadmap," said Anderson. "In the meantime, we believe customers will enjoy the ability to redeem for travel, money, or gift cards at a full value of one cent per point, regardless of redemption method." The credit cards rewards space continues to become more competitive, with Chase,American Express, Capital One, and Barclays all competing for a new breed of rewards-savvy customers all seeking to maximize value from their consumer credit cards while avoiding carrying balances and paying interest. For Wells Fargo, however, there's another reason to offer a truly compelling product like the new Propel. "We as a company are excited to demonstrate our commitment to our customers," said Anderson. "The Propel is a proof point for our brand and the work that we're doing to rebuild trust with our customers," she said, referring to the scandal in which bank employees opened 3.5 million unauthorized accounts in customers' names. The new Propel Card will offer a sign-up bonus of 30,000 points — worth $300 — when you apply for a new card and spend $3,000 in the first three months. The online application for the new Propel Card will be available on Monday, July 16.
  11. https://www.bizjournals.com/washington/news/2018/07/27/capital-one-lands-the-big-fish-walmart-credit.html McLean-based Capital One Financial Corp. has been tapped by Walmart Inc. (NYSE: WMT) to be the exclusive issuer of the retail giant’s credit cards, the two companies announced Thursday. Capital One (NYSE: COF) will take over Bentonville, Arkansas-based Walmart’s private and co-branded credit card programs from Synchrony Financial (NYSE: SYF) beginning on Aug. 1, 2019. More details of the program will be released later.
  12. https://www.cnbc.com/2018/07/30/kroger-california-subsidiary-to-bar-visa-credit-cards-amid-fee-dispute.html
  13. Anyone applied for this card and approved or denied? What were your scores, initial CL? Having a history with Fidelity help? There are very few entries in credit pulls db. I have recently opened CMA, brokerage accounts, and a 40 month old 401K account with Fidelity. I am thinking of applying in a month. I am looking for a decent CL and wary of low CLs US Bank/ELAN is known for. Thanks in adavance.
  14. https://www.doctorofcredit.com/f-a-q-about-chase-ihg-premier-100000-point-50-deal/ (DOC) Apologies in advance if this is a dupe.
  15. Source: Mortgage Bankers Association. As a point of interest, each foreclosed FHA mortgage results in an average loss of $60,000-70,000 for FHA. This is why people with FHA loans pay so much for mortgage insurance upfront, and every month with the mortgage payment.
  16. https://www.postandcourier.com/business/harris-teeter-offers-savings-with-new-credit-card/article_64b1c8b2-9058-11e8-b9eb-c34bd8b0c33b.html US SKANK
  17. I wanted to put the CU on the radar for anyone looking for banking options in California, Illinois, and Florida. I don't believe it's mentioned on MCA's list for CA (they acquired Butte FCU, Community Trust, and People's, among others). I have a negative Chex entry and believe I may have a negative entry in EWS (still waiting on that report). I will report back if the account ends up being closed, but they were very transparent about having a goal of helping people who have had banking/financial issues in the past, so I am hoping the account will remain in the clear. I'm going to treat it like it's priceless. I had a great experience at their Oakland branch, and they have branches throughout CA (it can be annoying how many places are only in the north or south), so I would encourage anyone who is struggling with finding local options in CA to check them out. From what the reps told me, they also have a strong focus on helping members rebuild their credit. While I was filling out my app, a member told me that they approved him for a secured loan and secured cc when he was unable to get approvals elsewhere. The credit union has acquired and merged with smaller CUs, and it now has 22 branches across these 3 states. California Antioch Bakersfield Biggs Chico Covina El Monte Fresno Lamont La Puente Modesto Napa Oakland Oroville Pomona Porterville Riverbank San Francisco San Jose Vallejo Illinois Chicago (Brighton Park) Chicago (Little Village) Cicero Florida Apopka Pierson
  18. Received a letter today from Alliant Credit Union stating that they "will be closing most of our branches as part of our continued evolution to digital banking." Only two branches will remain open, both are near Alliant's headquarters in Chicago and one has very restricted access. The two remaining Alliant Branches will be the one on West Touhy Ave and the Willis Tower Branch which allows restricted access to United employees badged at Willis Tower only!! So Alliant will essentially be a de facto one Branch operation for most members. Branch closings will begin on July 25th with the Dulles Airport location and end with the Denver closing on October 3rd. Alliant is also NOT a member of the Credit Union Shared Branch Network (except in Colorado & Hawaii) so that is NOT an option unless Alliant intends to fully participate in the Shared Branch Network, however I doubt that since it was not referenced in the letter.
  19. http://www.latimes.com/business/la-fi-emerge-finx-20180621-story.html This is an interesting discussion of the unbanked, and underbanked. They define unbanked as having no bank accounts and underbanked as having a checking account but using alternative financial products like payday loans or Calif. installment loans which have a $2500 minimum to get around usury laws. The reporters went on a two hour search to cash small checks, get a debit card, money order, and look into getting a $500 loan then report on their experiences. I think it's a little off in that people that you have to have a job and bank account to get a payday or installment loan which leaves out the unbanked. Peeps in this category are used to fees for cashing checks and pretty much live off the cash perhaps getting money orders when required. But it does provide some insight into the difficulties one has being unbanked.
  20. http://www.fi-magazine.com/news/story/2018/07/wells-fargo-to-begin-growing-auto-loan-portfolio-by-mid-2019.aspx Would ya, would ya, would ya trust em?
  21. $200 online cash rewards bonus offer Online $200 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening. https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card/
  22. http://www.fi-magazine.com/channel/compliance/article/story/2018/05/slurs-cussing-and-misnomers.aspx You will get your mouth washed out with soap. It'll be expensive soap too.
  23. http://www.autodealermonthly.com/channel/finance-office/article/story/2018/07/requiring-buyers-to-buy-service-contracts-read-this.aspx?utm_source=email&utm_medium=enewsletter&utm_campaign=20180728-NL-ADT-Enews-BOBCD180722003&omdt=NL-ADT-Enews&omid=1000693576
  24. Justin Volz, special to ProPublic https://www.propublica.org/article/health-insurers-are-vacuuming-up-details-about-you-and-it-could-raise-your-rates?utm_source=newsletter&utm_medium=email&utm_campaign=newsletter_axiosvitals&stream=top "The LexisNexis booth was emblazoned with the slogan “Data. Insight. Action.” The company said it uses 442 non-medical personal attributes to predict a person’s medical costs. Its cache includes more than 78 billion records from more than 10,000 public and proprietary sources, including people’s cellphone numbers, criminal records, bankruptcies, property records, neighborhood safety and more. The information is used to predict patients’ health risks and costs in eight areas, including how often they are likely to visit emergency rooms, their total cost, their pharmacy costs, their motivation to stay healthy and their stress levels. People who downsize their homes tend to have higher health care costs, the company says. As do those whose parents didn’t finish high school. Patients who own more valuable homes are less likely to land back in the hospital within 30 days of their discharge. The company says it has validated its scores against insurance claims and clinical data. But it won’t share its methods and hasn’t published the work in peer-reviewed journals. McCulley, LexisNexis’ director of strategic solutions, said predictions made by the algorithms about patients are based on the combination of the personal attributes. He gave a hypothetical example: A high school dropout who had a recent income loss and doesn’t have a relative nearby might have higher than expected health costs. But couldn’t that same type of person be healthy? I asked. “Sure,” McCulley said, with no apparent dismay at the possibility that the predictions could be wrong. McCulley and others at LexisNexis insist the scores are only used to help patients get the care they need and not to determine how much someone would pay for their health insurance. The company cited three different federal laws that restricted them and their clients from using the scores in that way. But privacy experts said none of the laws cited by the company bar the practice. The company backed off the assertions when I pointed that the laws did not seem to apply. LexisNexis officials also said the company’s contracts expressly prohibit using the analysis to help price insurance plans. They would not provide a contract. But I knew that in at least one instance a company was already testing whether the scores could be used as a pricing tool." https://www.propublica.org/article/health-insurers-are-vacuuming-up-details-about-you-and-it-could-raise-your-rates?utm_source=newsletter&utm_medium=email&utm_campaign=newsletter_axiosvitals&stream=top
  25. Applied with them on 7/10/2018 Experian 732 approve 500

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