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

BofA pre-approvals for business versions of their consumer cards. Also when I log in, I get the pop-ups for the cards as well.

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

×
×
  • Create New...

Important Information

Guidelines