TheVig Posted August 13, 2019 Share Posted August 13, 2019 Ebates telling me what I already knew. 4847 MR points have been sent to your Amex account. Quote Link to comment Share on other sites More sharing options...
cv91915 Posted August 16, 2019 Share Posted August 16, 2019 (edited) On 8/12/2019 at 9:57 AM, cv91915 said: I just sent my third email request to FenPed's "contact us" email address to clarify the conflicting terms listed in this email promotion. About 90 minutes ago I got an offer reminder email from FenPed, and this time the big, bold text in the offer ($50 back on $500 between 8/1 and 8/31) actually agreed with the print in 5-point font at the bottom of the message. I just put a $466 airfare charge on the card, foregoing $20.97 back from my Altitude Reserve in the process, so I'm just $34 in spending away from a $50 statement credit that may never materialize. Edited August 16, 2019 by cv91915 Quote Link to comment Share on other sites More sharing options...
TheVig Posted August 16, 2019 Share Posted August 16, 2019 Amex wanting me to upgrade the Delta Blue to Delta Reserve Quote Link to comment Share on other sites More sharing options...
cv91915 Posted August 16, 2019 Share Posted August 16, 2019 1 hour ago, TheVig said: Amex wanting me to upgrade the Delta Blue to Delta Reserve They're on an upgrade offer rampage. TheVig 1 Quote Link to comment Share on other sites More sharing options...
TheVig Posted August 16, 2019 Share Posted August 16, 2019 (edited) For sure Amex is on a upgrade rampage. Almost 4 weeks ago to the day, a friend downgrades his Platinum to Green. Goes to the mailbox yesterday and has a offer to upgrade the green to Platinum. 75MR/$5k. No life time language. Edit--- He took the offer. Edited August 16, 2019 by TheVig Quote Link to comment Share on other sites More sharing options...
credit_help Posted August 16, 2019 Author Share Posted August 16, 2019 For sure Amex is on a upgrade rampage. Almost 4 weeks ago to the day, a friend downgrades his Platinum to Green. Goes to the mailbox yesterday and has a offer to upgrade the green to Platinum. 75MR/$5k. No life time language. Edit--- He took the offer.Just 75 MRs? Quote Link to comment Share on other sites More sharing options...
TheVig Posted August 16, 2019 Share Posted August 16, 2019 4 minutes ago, credit_help said: Just 75 MRs? Lol. 75k credit_help 1 Quote Link to comment Share on other sites More sharing options...
cv91915 Posted August 16, 2019 Share Posted August 16, 2019 2 hours ago, TheVig said: For sure Amex is on a upgrade rampage. Almost 4 weeks ago to the day, a friend downgrades his Platinum to Green. Goes to the mailbox yesterday and has a offer to upgrade the green to Platinum. 75MR/$5k. No life time language. Edit--- He took the offer. I've upgraded my Hilton card twice this year for 150k Hilton points each, and just did BCE->BCP for a $250 statement credit. Now I must check my Green, which was a Platinum, which was a Green. Quote Link to comment Share on other sites More sharing options...
credit_help Posted August 17, 2019 Author Share Posted August 17, 2019 Lol. 75kThat’s not bad if you can get equivalent of at least $400 after annual fee. Quote Link to comment Share on other sites More sharing options...
hegemony Posted August 21, 2019 Share Posted August 21, 2019 amex "We want to let you know that, starting tomorrow, the rate on your High Yield Savings Account will be 1.90% APY" motherfer Quote Link to comment Share on other sites More sharing options...
centex Posted August 23, 2019 Share Posted August 23, 2019 Came in and checked email...AXP doubled a limit. I had last pushed the CLI button a bit over two years ago. This increase was automatic and was not prompted by anything I did on the site. Not sure I will use the card any more than I have been, but the extra cushion is always a good thing... Quote Link to comment Share on other sites More sharing options...
cv91915 Posted August 26, 2019 Share Posted August 26, 2019 This is even more f-d up than the FenPed offer I got recently. Quote Link to comment Share on other sites More sharing options...
credit_help Posted August 26, 2019 Author Share Posted August 26, 2019 Citi (yesterday): Your credit limit increase was approved. Citi (today): Your credit limit has been adjusted. Quote Link to comment Share on other sites More sharing options...
credit_help Posted August 26, 2019 Author Share Posted August 26, 2019 This is even more f-d up than the FenPed offer I got recently. I would like that offer. Is there a referral? :-) Quote Link to comment Share on other sites More sharing options...
hegemony Posted August 29, 2019 Share Posted August 29, 2019 Quote In early September, a new fully reimagined unionbank.com will be launched. The new site is built on a state-of-the-art platform delivering an exceptional digital banking experience. Specifically designed with our clients in mind, below are a few highlights: •Easy and intuitive navigation •Robust content •Elegant and modern design We invite you to take a moment to view a demo of the new unionbank.com "early September" is a bit vague for me. also, "reimagined" suggests no imagination. Quote Link to comment Share on other sites More sharing options...
cv91915 Posted August 29, 2019 Share Posted August 29, 2019 30 minutes ago, hegemony said: Robust content Hot hot hot Quote Link to comment Share on other sites More sharing options...
TheVig Posted September 4, 2019 Share Posted September 4, 2019 Emails from most of my CC providers telling me they are here for me during and after hurricane Dorian. I never doubted for a minute on them being there for me because I PIF. For the salamanders, those emails are a polite way of saying you still need to make your payments. hegemony 1 Quote Link to comment Share on other sites More sharing options...
greenpotatochips Posted September 5, 2019 Share Posted September 5, 2019 (edited) My first statement from Self / Self Lender. Already set up autopay well before so nothing to worry about. 😂 Turns out I had an Overstock account before with old login information, exact same limit too so was able to login from the Comenity site and get up in so they sent me an email about it. Kay Jewelers also sent me an email. $3k limit right out of the gate, so yeah, if those others from Comenity (two actual approvals) I got don't do jack to grow long term, they're out as soon as I get even better cards. Achieved my goal here to add another decent limit tradelines for rebuilding purposes so on future approvals with say CapOne, the SLs should be much better with time. Highest is $5k right now, this line for $3k, my oldest open one for $1.8k, and this other revolving line for $2k. FedLoan servicing sent me an updated status on my student loans and how they're in forebearance for another month. This was a few weeks after BK 7 discharge. At least those accounts are old enough. Wonder if positive history on em stays on report for even longer than revolving lines of credit? Edited September 5, 2019 by greenpotatochips Quote Link to comment Share on other sites More sharing options...
centex Posted September 5, 2019 Share Posted September 5, 2019 2 hours ago, greenpotatochips said: Turns out I had an Overstock account before with old login information, exact same limit too so was able to login from the Comenity site and get up in so they sent me an email about it. Kay Jewelers also sent me an email. $3k limit right out of the gate, so yeah, if those others from Comenity (two actual approvals) I got don't do jack to grow long term, they're out as soon as I get even better cards. Be wary of Comenity and having too many store cards, both of which can be a blight on the reports. 2 hours ago, greenpotatochips said: FedLoan servicing sent me an updated status on my student loans and how they're in forebearance for another month. This was a few weeks after BK 7 discharge. At least those accounts are old enough. Wonder if positive history on em stays on report for even longer than revolving lines of credit? ANY account that is closed in a positive manner CAN report for up to a decade after the last reported activity. However, there is no requirement that a furnisher CONTINUE reporting for a decade. Hopefully you begin throwing money at the student loans. Forebearance is NOT the message you want to be sending out for other issuers to see...it suggests that you are already over-extended. The only people who should truly be using a forebearance on a student loan are those taking advantage of the offer during the first six months post-graduation. Don't be that person who still has student loans with a balance one and two decades after finishing the degree... greenpotatochips 1 Quote Link to comment Share on other sites More sharing options...
greenpotatochips Posted September 5, 2019 Share Posted September 5, 2019 (edited) 5 hours ago, centex said: Be wary of Comenity and having too many store cards, both of which can be a blight on the reports. ANY account that is closed in a positive manner CAN report for up to a decade after the last reported activity. However, there is no requirement that a furnisher CONTINUE reporting for a decade. Hopefully you begin throwing money at the student loans. Forebearance is NOT the message you want to be sending out for other issuers to see...it suggests that you are already over-extended. The only people who should truly be using a forebearance on a student loan are those taking advantage of the offer during the first six months post-graduation. Don't be that person who still has student loans with a balance one and two decades after finishing the degree... Thanks for the great information. I've been coming up with a long-term plan for the student loans and seeing if then, I could also get a lower interest rate on them. I have no problem with setting aside part of my budget to make regular monthly payments on them to chip at them away ASAP. It's part of the reason why I'm not interested at this point in getting an auto loan or any other installment loans for the near future. I also was briefly in an online grad school and tried a second bachelors degree program earlier this year, but realized back then that I was better off sticking to the bachelors degree I already have. It's a CIS/MIS degree, but honestly, I had to teach myself other skills, but maybe there will be some more use for it in the future too. Overall, my debt isn't too bad there because I went to inexpensive state schools and an online school as well briefly. I've also heard a lot about these coding bootcamps. They sounded great on paper, but even the ones that have that income share agreement, it's still going to be another loan even in itself, and I was also turned off from that because I already have some good skillsets under my belt in being able to work from home, etc. We'll see what happens long-term. Interesting point about store cards too. I've been trying to avoid as many traps as I can, not having First Premier or Credit One or any of that crap on my reports, but if that's gonna have the same effect, then yeah, great to know too. I mainly got these hoping for some nice additional SLs, but then when two of them turned out to be these ehhhh toy limits, I was like yeah, they're getting nuked if they don't do anything. So glad that I have this board as a resource whenever I do something and I'm not so sure about it. Trust me. I didn't have nearly this much support years ago over 6 years ago when I started to build credit, and advice like this helps me save so much time, energy, and grief long-term. Edited September 5, 2019 by greenpotatochips Quote Link to comment Share on other sites More sharing options...
hdporter Posted September 6, 2019 Share Posted September 6, 2019 Equifax Breach Settlement Administrator requesting that I validate my request for cash settlement by (again) naming the credit monitoring service to which I was subscribed at the time of the claim filing, or inviting me to alternatively request settlement in the form of credit monitoring services. They helpfully note that (in effect) they've been deluged with cash compensation claims and that if they're all qualified, they'll be sending out $.02 checks. Quote Link to comment Share on other sites More sharing options...
TheVig Posted September 13, 2019 Share Posted September 13, 2019 Email from Synchrony telling me I should add my Car Care One account number to my favorite parking app and toll road transponder. Sync should just go ahead and issue the damn cards with a Discover logo on it. That's who Sync is piggy backing on. That's also why you can get fuel from somewhere other than Exxon Mobil these days. I wish I still had the email from almost two years ago that mentioned Discover in the fine print. Quote Link to comment Share on other sites More sharing options...
hdporter Posted September 13, 2019 Share Posted September 13, 2019 6 hours ago, TheVig said: Email from Synchrony telling me I should add my Car Care One account number to my favorite parking app and toll road transponder. Sync should just go ahead and issue the damn cards with a Discover logo on it. That's who Sync is piggy backing on. That's also why you can get fuel from somewhere other than Exxon Mobil these days. I wish I still had the email from almost two years ago that mentioned Discover in the fine print. https://www.prnewswire.com/news-releases/synchrony-car-care-credit-card-expands-acceptance-categories-to-cover-even-more-auto-related-needs-300813588.html Quote Synchrony is partnering with Discover® Global Network®, the fastest growing global payments network [1], to provide greater acceptance within the automotive category. For cardholders, this means increased nationwide acceptance in more locations outside Synchrony Car Care's traditional parts and service categories. TheVig 1 Quote Link to comment Share on other sites More sharing options...
greenpotatochips Posted September 13, 2019 Share Posted September 13, 2019 My EX fell by a dozen or so points and the Experian Boost thing for BB&T doesn't even work anymore, but at least I got this email lol. Quote Link to comment Share on other sites More sharing options...
hegemony Posted September 13, 2019 Share Posted September 13, 2019 WTH NASA... I thought you were better than this Quote If you’re like most Americans, a car breakdown can be devastating. It means reshuffling schedules, waiting for a tow truck, haggling with repair professionals. At worst, it could mean draining your bank account – or even losing your car. NASA Federal Credit Union is offering a new benefit that helps to eliminate the hassle of car repairs. If your car qualifies, you can purchase mechanical repair coverage at an exclusive member rate. Members can save up to 25% on mechanical repair coverage from NASA Federal Credit Union powered by ForeverCar Quote Link to comment Share on other sites More sharing options...
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