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I am thinking ahead in making my game plan. I burned AMEX and Chase for a lot (20K & 55K), and B of A for 2K. I am currently shut out of Barclay's because I IIB'd them for about $800 on an Apple card.
I really want a decent mileage card in the future. I redeemed over 1 million miles on my (old version) Diners, AMEX and Chase United Visa.
So I am considering opening a 5K secured card with Citibank to see if I can get in with them. It appears that they are normally an automatic decline for unsecured with a BK reporting. They will let you do a secured card 24 months post BK for up to 5K max. You have to apply in a branch. So I would be eligible in 10 months.
Any thoughts on using this as a way to get in with them? I feel like I'm going to be stuck with Cap 1 and credit unions and store cards (which I won't get) going forward.
2.15% on Checking, up to $25,000.
.75% on Savings, up to $250,000.
I'm not sure how far their reach is, or who can join.
Was driving home and saw this advertisement at one of the branches.
Checking rate requires 12 debit transactions, 1 ACH auto pay and e-statements.
Completing all of the checking requirements gives the rate for savings, as well.
Don't know if it's a hard pull to join and I don't know which bureau they use if there is a hard.
I paid this debt off in settlement before I knew about the wonderful creditboards. I was bullied by Rubin & Rothman LLC associate that they will sue blah bah blah, that kept calling my phone, and eventually I agreed to pay $10,000 on $20.000/50% debt over a 6 months term. I paid the debt off as agreed. but Citi Card still reporting negative on CRA account... To add insult to injury I was hit with a Forgive Fed. Debt by the IRS ($7,600) for both NYC Federal ($1,212.58 paid) & NYC State ($1,000.3 still pending just received it last week). Collectively I paid more than half. If I knew what I knew now I would have just negotiated a deal with Citi Bank and paid for deletion... Any input will be greatly appreciated....
Address Identification number: Blank
Status: Piad in Settlement. $20,339 written off.
Status Details: This account is scheduled to continue on record until June 2015.
Date Opened: 06/2004
Reported Since 06/204
Last Reported: 03/2010
Credit Limit/Original Amount: $18,210
High Balance: $20,339
Status Details: This account to continue or record until June 2015
Comment: Account paid in full or less than full balance
Today (5/22/2014) I received a letter from NYS Dept. of Taxation and Finance claiming I owe them $1000.03 (Tax amount assessed $793.00 + Interest amount assessed $207.03) Payment due day date: 06/09/14.
The letter claims I owed the NYS Tax dept. because of Forgive Fed. Debt $7,600.00 CITIBANK SOUTH DAKOTA NA. They claim I was sent notification from IRS on 04/09/2012 of the above charges to my 2010 federal income tax return. I remember back in 2009 I settled a debt with Rubin and Rothman LLC for $10,000 on a $20.000 debt that was before I knew about Creditboards. I kick myself everyday that I paid them so much on a debt they paid pennies on the dollars for.
I know dealing with the IRS is like dealing with KGB, and maybe I am shooting in the dark for a resolution, but I never was notified about this debt.
My question is will I be able to dispute the interest that was assessed on the money?? I never received a letter. Why wait two years again to send me another notification strong arming me to pay within two weeks.
Any insight will be greatly appreciated