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If you are looking to apply for the Barclays US Airways card and wish to help a brother or sister out by allowing them to refer you for the card, they will benefit from some bonus miles and you will benefit from 50k in miles. The offer is only good until January 18, 2015 so you would need to apply by then and get approved for the referring person to get the bonus miles. If interested, just PM the next person on the list with your email address as the thread moves along. If you are on the list and get a referral, please post and let people know who is next up for a referral. If someone has received a referral, please move to the next person on the list. I will also update the current order and other can help with that too.
So if you apply, please show some love for the following people:
If you want to offer a referral to a specific person because they helped you with credit repair or you just want to because you want to, then that's okay too. If you want to keep it private, just do it by PM and don't worry about posting in the thread.
If you received the referral email from Barclays and want to be added to the list, please let us know and I will update the order and add you.
If you are not ready to apply now, it looks like the card will be around until March 31, 2015.
I'm trying to help a friend with an Auto Loan that was at Bank of America that is now paid off. BofA is reporting 30 days late Aug 2011, 30 days late Dec 2012, and 60 days late Jan 2013.
I am looking at the Metro 2 — 2012 Credit Reporting Resource Guide to understand how and when 30-day and 60-day lates are to be properly reported. In there I read:
They then give an example of a payment due on January 15th and how it should report on the first of each month:
January 1st: 0-29 days late (code 11) - no payments past due February 1st: 0-29 days late (code 11) - one payment past due March 1st: 30-59 days late (code 71) - two payments past due April 1st: 60-89 days late (code 78) - three payments past due This BofA loan appears to have a due date of the 1st of each month and a 5% late payment charged on the 12th of each month (unless that is a holiday or weekend, then next business day).
The Metro 2 guide states later:
Later I see this section on Date of First Delinquency:
None of the CRAs show a Date of First Delinquency for this account, the field only appears on Equifax and is blank there, no mention of DOFD on any other CR for this tradeline.
After analyzing the report supplied of the complete payment history on the account, this is what I find:
The due date appears to have been the 1st of each month. A late charge of 5% is charged on the 12th of each month if payment not received by close of business on that business day. I don't know what day of month Chase reports to the credit bureaus, but I am assuming it is the first of each month, but perhaps it is last day of the month? How can I find this out? Account was 30 days late on August 31, 2011 Account was 30 days late on October 1, 2011 Account was 30 days late on December 31, 2012 Account was 60 days late on January 30, 2012 Only if BofA reports on the very last day of each month would their reporting be accurate if the due date is actually the 1st of each month.
How can I know for certain what day of the month BofA reports to the credit bureaus? How can I find out for certain what day of the month payments were due and what their late payment charge policy is? Should I ask BofA to produce a signed contract for the loan? So far they've only provided a computer printout of the payment history.
I made a mistake and BT into a New Barclays world master card with "0" interest for 15 months by doing the same amount twice. The 2nd BT request just popped on my Barclays transaction and showed me $2000
over my limit. I spoke to Barclays and was told that since BT went thru, my credit line when the new statement is cut will be the amount that I am over the limit. She said there was no overlimit fee om World Master Card.
I am a little stunned since when I got the card 7 days ago and I called back door for a higher CL they said NO!
On my way to Atlanta yesterday I got a text. I was suspicious
When I got home I checked out online banking, nothing
I then checked my email, email from Chase Fraud
I clicked the link in the email, page error
I called today.
Actual card was used to purchase $200 at a dollar store in Columbia SC. Chase said it was in in store purchase so someone had replicated my card.
My Freedom card was used at Home Depot and Target.
One more TL
This is the 2nd CC of mine to get hacked in the last 2.5 years.