Jump to content

So what did you get in the mail today?


TheVig
 Share

Recommended Posts

A handwritten (unusual) offer to buy my condo. For cash. As is.  Usually, I just get phone calls. Like every week.

 

What's going on out there. Home prices rose 20% on average in the USA just in the last year. And mortgage interest rates are up 1.5%.  That translates into a bit over a 30% increase in monthly mortgage payments assuming a 20% down.

 

What could go wrong!

Link to comment
Share on other sites


Letter from San Diego Community Power addressed to resident so I almost threw it away thinking it was junk mail. Glad I didn't. Letter states starting May 2022 SDCP will become our electric generation service provider UNLESS we opted out. This is renewable energy but I do not like being auto switched. Apparently the alleged cost savings is minuscule if any. 

Link to comment
Share on other sites

More crap from CrapOne...this one promising a $500 bonus.  HOWEVER...not so fast...it is actually only $200 for spending $500 in the first 90 days.  The other $300 has to come from gas and grocery purchases in the first six months.  AND it is only a 1.5% card.

 

To the shredder it goes...

Link to comment
Share on other sites

In the last 2 days we have received 9 different BT offers from our current lenders.  US Bank, Citi, Chase, BoA, Penfed, Barclays, Discover

 

BoA was the best of the lot at 0% for 18 months with a 3% fee.  Not in need of a BT at this moment, but hopefully will still be available in a few months.

Link to comment
Share on other sites

  • 3 weeks later...

My new (and second) HSBC Premier MasterCard which replaces the defunct HSBC Rewards MasterCard.

Now with two of the same card, I wonder if they will let me do a combo.


Sent from my iPad using Tapatalk

Link to comment
Share on other sites

Letter from care credit upgrade to the care rewards Mastercard intro 5x rewards on everything till 8/30/22. Really doesn't look too bad and regular rewards 2x for gym membership, groceries and gas.  Probably still only take out of the SD once every 6 mos. 

Link to comment
Share on other sites

Is this the start of a new trend by card issuers? ...

 

On Tuesday, I receive a letter from Capital One saying that my card limit will be reviewed due to low utilization.  (The card has been getting approx $30 charged to it every 6 mo, the last charge was Dec 6.)  Interestingly, there was an "opt out", by calling a number with an automated attendant and pressing the right buttons. 

 

"Today" (Wednesday), I get a letter from the issuer of my MGM Rewards MC (casino affinity) informing me that I haven't used the card in 9 mo. and that if the card remains unused the account will be reviewed for a line reduction or closure.

 

In my 40 years of credit experience, I don't recall having received such a letter before.  Perhaps a note saying that they've noticed I hadn't been using my card, but not with language threatening adverse action.  The couple of times we've had an account closed for inactivity, there was no advance notice.

 

Is this simply a couple of random data points that happened in close proximity ... or are issuers getting more aggressive with account dormancy?

Link to comment
Share on other sites

6 hours ago, hdporter said:

Is this the start of a new trend by card issuers? ...

 

On Tuesday, I receive a letter from Capital One saying that my card limit will be reviewed due to low utilization.  (The card has been getting approx $30 charged to it every 6 mo, the last charge was Dec 6.)  Interestingly, there was an "opt out", by calling a number with an automated attendant and pressing the right buttons. 

 

"Today" (Wednesday), I get a letter from the issuer of my MGM Rewards MC (casino affinity) informing me that I haven't used the card in 9 mo. and that if the card remains unused the account will be reviewed for a line reduction or closure.

 

In my 40 years of credit experience, I don't recall having received such a letter before.  Perhaps a note saying that they've noticed I hadn't been using my card, but not with language threatening adverse action.  The couple of times we've had an account closed for inactivity, there was no advance notice.

 

Is this simply a couple of random data points that happened in close proximity ... or are issuers getting more aggressive with account dormancy?


If I go more than three months without making at least a pencil purchase on my FNBO card, they send me a letter threatening closure. 
 

Cap1 a little over a year ago slashed my QS from $20k to $5k for low utilization. I was able to get it reinstated to $15k. 
 

I say yes some are starting to look at dormancy a lot closer. 

Link to comment
Share on other sites

Posted (edited)

I got my Transferwise renewal debit card (they now call themselves Wise).

 

I also need to vent.  Spectrum disconnected my cable TV and internet. After calling them, and jumping thru hoops, they finally told me that they entered the wrong address for a new customer (my address/one number off).  They disconnected my service, assuming I moved.  They don't validate anything.  I'm still working on getting things back the way they were.  The other day, they sent me by FedEx a cable modem/router and VOIP adapter, addressed to a woman I don't even know (the person they set up service for).  I found the box at my door when I got home.  If Spectrum wants it back, they'll need to come and get it.  I'm not responsible for it.  I feel like throwing it into the garbage can.  

Edited by Burgerwars
Link to comment
Share on other sites

On 5/12/2022 at 12:05 AM, hdporter said:

Some nice 18-mo 0% bt offers w/ 3% fee from BA on various cards held by myself and Bev.

DW and I get these twice a month like clockwork.  We don't use BoA for anything other than the 2 cards we have which both have limits just under $100k, but they have been really good to us.  Between the good BT offers and then getting a $200 bonus on each card to convert to their new cash rewards card, I have no complaints.

Link to comment
Share on other sites

On 5/12/2022 at 8:27 AM, Burgerwars said:

I got my Transferwise renewal debit card (they now call themselves Wise).

 

I also need to vent.  Spectrum disconnected my cable TV and internet. After calling them, and jumping thru hoops, they finally told me that they entered the wrong address for a new customer (my address/one number off).  They disconnected my service, assuming I moved.  They don't validate anything.  I'm still working on getting things back the way they were.  The other day, they sent me by FedEx a cable modem/router and VOIP adapter, addressed to a woman I don't even know (the person they set up service for).  I found the box at my door when I got home.  If Spectrum wants it back, they'll need to come and get it.  I'm not responsible for it.  I feel like throwing it into the garbage can.  

Spectrum blows..end of story.  I abhor that I have to use them as my ISP as I have no other options in my area.

Link to comment
Share on other sites

Didn't arrive today but I just looked at them today...FNBO basically increasing their warning to use my account or risk closure/CLD.  Since the account cycle closes in a few days, I stuck an online payment on that card. 

 

I did note when I logged into the account that the line was still there but they were not producing a FICO score for me, which they indicate CAN be due to inactivity over a prolonged period of time. 

 

They are rapidly moving DOWN my list after they got pissy over a recent app where I used the address on my reports which is NOT the house attached to my TxDL.  Their underwriting team seems not to grasp that people can have multiple residences...and moreover, that those with multiple residences need not have a mortgage. 

Link to comment
Share on other sites

32 minutes ago, hegemony said:

pre-screened offer for the "Synchrony World Elite Mastercard" 2% CB "unlimited"

 

interesting to see a non-cobrand from a subprime issuer. shredded.

 

I kinda got to give them a little credit. At least someone in the organization identified that 2% CB is the minimum starting point, instead of 1.5%

Link to comment
Share on other sites

Posted (edited)

Email....

 

Nicely done,
Skillz!

You’ve been
upgraded.

Because you’re such a great customer, we’ve upgraded your account to a Capital One World Elite Mastercard® that comes with new premium benefits.

 

Edited by Skillz
edited to remove image, insert text only
Link to comment
Share on other sites

9 hours ago, Skillz said:

Email....

 

Nicely done,
Skillz!

You’ve been
upgraded.

Because you’re such a great customer, we’ve upgraded your account to a Capital One World Elite Mastercard® that comes with new premium benefits.

 

I got the same via email today. Obviously, we are part of the chosen few. LOL

Link to comment
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

 Share

  • Similar Content

    • By cashnocredit
      https://www.msn.com/en-us/health/medical/some-medical-debt-is-being-removed-from-us-credit-reports/ar-AAZ35Fw

       
       
    • By layen850
      U.S. Bank Triple Cash Rewards Visa® Business Card
      Approved
      Experian
      Southern California
      Apped 12/20/21-12/27/21
    • By Sweethomemov
      I have been searching High and low trying to find who Pep Boys Commercial Net 30 account report to, but  it seems that i can only find one forum speaking about them. and the information provided on the forum is not very clear so hopefully someone can help provide what i the right answer
       
      Thanks in advance
    • By MarvBear
      REMINDER!
      Account Status 05 (Account transferred)
      to become obsolete for reporting
      Effective April 2022
       
      As noted within Exhibit 4 (Account Status Codes) in the Credit Reporting Resource Guide (CRRG®) since 2020, Account Status 05 (Account Transferred) will become obsolete for reporting in April 2022.
       
      Refer to the Transferred category within Exhibit 6 for a list of Special Comment Codes that should be used instead of Account Status 05. Refer to Frequently Asked Question & Answer 46 for guidance on reporting transferred accounts, and to Frequently Asked Question & Answer 47 for guidance on reporting sold accounts.
       
      All guidance that relates to accounts being transferred or sold has previously been updated to advise that the Account Status should be reported as of the time of transfer or sale so no further updates will be made to existing CRRG® FAQs (46 & 47) as a result Account Status 05 being retired.
       
      The Metro 2® Task Force recommends that data furnishers transition away from reporting Account Status 05 as soon as possible.
       
      If there are any questions, please e-mail metro2info@cdiaonline.org.
       
      Thank you,
      CDIA and Metro 2® Task Force
       
      Metro 2® Webinar:
      Retirement of Account Status 05 (Transferred)
      Dec. 8, 2021 @ 2pm ET
       
      Join us Dec 8, 2021 for the Metro 2® Webinar: Retirement of Account Status 05 (Transferred). Developed in collaboration with the Metro 2® Format Task Force, which includes experienced representatives from Equifax, Experian, Innovis, and TransUnion, this webinar will discuss how accounts that are transferred internally or to a servicer should be reported, as reflected in the 2021 Credit Reporting Resource Guide®.
       
      The reporting of accurate data is an essential obligation of data furnishers under the Fair Credit Reporting Act. Account Status 05 will be retired for Credit Reporting in April 2022.
       
      Presented by Pat Dubie, Training Consultant at Consumer Data Industry Association, this webinar will focus on the following discussion topics as they pertain to transferred accounts:
       
      ·     Use of the L1 Segment to identify the Identification Number and/or Account Number Change
      ·     Use of Special Comment Codes to identify the “transferred’ condition
      ·     FAQ #46
       
      Duration: 45 minutes
      Cost: $245 per registration (incl. up to 5 individual participants login)
       
      Your registration includes:
      ·   Access to the scheduled webinar and all handout materials
      ·   An audio re-play file of the event accessible online for up to one year, which can be shared internally with your team
      ·   Free download of the latest version of the Credit Reporting Resource Guide® (CRRG®)
      ·   The webinar is a single sign-on experience. 
       
      Register Today!
       
      If you can't join us for one of the scheduled webinars, you may register for the on-demand replay of this event. The on-demand replay as well as the handout material will be emailed to you approximately 48 hours after the purchase.
       
      To view CDIA's Metro 2® attendance policy, please click here. 
       
      Legal Disclaimer: CDIA's teleseminars are educational in nature and do not represent legal advice. If you need legal advice, consult an attorney in your jurisdiction.
    • By Simon3
      can any one tell me which bureaus does the Wells Fargo Business Platinum card report to
×
×
  • Create New...

Important Information

Guidelines