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1 hour ago, cv91915 said:

FenPed wants me to open up a Premium Online Savings account to earn a yield that's 14x the national average, which also happens to be the same APY as my worst savings account with a predatory bank that answers to shareholders instead of customers.

Reminds me of the marketing approach First Premier Credit Cards used.  Touting a "9.9% APR" in huge fonts while burying the monthly fee in small print. The fixed fee bumped the actual APR to above 40% and closer to 100% if you only used 1/3 of your $300 CL.

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Any site suggesting someone apply for Fingerhut should immediately be disregarded as it tells you that there are no standards for what they will pimp out...pre-approved from them means even the dead p

Messenger, but probably the best thing I've gotten in years - my cousin commented on a picture I shared via Messenger, and I saw a message from her I missed.   It was a picture of me and my

Experian alert that my Experian FICO score increased to 795.

This offer by itself is worth more than the combined rewards I've earned from 8+ years of random purchases with my FenPed Useless Rewards™ Visa®.

 

I just added $150 to my Amazon gift card balance.

 

MBUHYkc.png 

Edited by cv91915
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Email from Barclay's telling me about an exciting promo based on my relationship with them. Too bad I can't take advantage of this promo since I PIF each month. 😊

New low
promotional rate
 
3.99%
promotional
APR
— for — 7
months
 
on all new purchases, including purchases made online. After that your standard purchase APR applies, 24.99% variable1
Activate Now
Offer expires October 26, 2020.
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  • 2 weeks later...

I think this sh|ttÿ W*****t card needs to go...

 

During a regular account review, we noticed you’ve only been using a portion of your credit limit.

To better fit your card usage, we’ve reduced your credit limit to $6,000.

 

We’ve kept your credit limit significantly above your highest balance over the last 2 years to ensure you can use your card as you have been, while providing flexibility for future spending.

 

Everything else on your account will remain the same, and we’ll follow up with additional information by mail. 

 

Thanks for being a Capital One customer.

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1 hour ago, cv91915 said:

I think this sh|ttÿ W*****t card needs to go...

 

During a regular account review, we noticed you’ve only been using a portion of your credit limit.

To better fit your card usage, we’ve reduced your credit limit to $6,000.

 

We’ve kept your credit limit significantly above your highest balance over the last 2 years to ensure you can use your card as you have been, while providing flexibility for future spending.

 

Everything else on your account will remain the same, and we’ll follow up with additional information by mail. 

 

Thanks for being a Capital One customer.

I just put in a CLI request and asked for $75,000.  

Request Received

Thanks for submitting your request

You'll receive a document in the Online Document Center with the outcome of our review in approximately 2-3 business days.

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6 hours ago, cv91915 said:

I think this sh|ttÿ W*****t card needs to go...

 

During a regular account review, we noticed you’ve only been using a portion of your credit limit.

To better fit your card usage, we’ve reduced your credit limit to $6,000.

 

We’ve kept your credit limit significantly above your highest balance over the last 2 years to ensure you can use your card as you have been, while providing flexibility for future spending.

 

Everything else on your account will remain the same, and we’ll follow up with additional information by mail. 

 

Thanks for being a Capital One customer.

 

My credit report reflects a CL of $15k and high bal of $34.  Think I have one of these love notes coming?

 

< btw, thanks for the prompting:  Last use of Nov '19 ... time to splurge on pencils or the like! >

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In preparation for closing my W*****t Mastercard, I just drained all of the lucrative rewards that have piled up while I've had the card.

 

Congratulations! You’ve successfully redeemed your Rewards for cash. Your check for $.18 will be mailed within 3 business days and arrive in your mailbox at the following address within 2–3 weeks:  [Address here]

 

This card is a remnant from my early CB days, when there were very few places to get free FICO scores.  

 

I still have a collection of bowl winders from that era that are still open (Macy's -- store and Amex, PayPal Extras MC, FenPed Worthless Rewards Visa, Discovery IT, Ebates Visa).

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I still don't know what a Rack-U-10 is.

 

Important Information About Your Account
 
Effective February 1, 2021, your Rakuten Visa Signature credit card will no longer provide:
  • Auto Rental Collision Damage Waiver and
  • Extended Warranty Protection
All other card benefits will remain in place. To receive a copy of your card benefits, please call the number on the back of your card to request a copy by mail.

Stay tuned for new Visa benefits to be announced in early 2021.
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Email over the weekend from Alliant offering 2500 points for a $500 spend this month.  What the hell...$25 is $25.  I may stick the Hagerty annual renewal on there since I ALSO got the email and notice in the mail about those being due. 

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Cap1 telling me my QS MC CL of $20k is just too much. My new CL.........$5k

 

Walmart MC is still intact at $10k. Considering canceling it before they reward me with a $500 CL.

 

All my other creditors have left me alone this year. In fact some have given me increases with no effort on my part.

 

For you newbs......this is one reason why you go for everything you can get as far as limits go. AND you don't have all your eggs in one or two cards.

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from chitibank:

 

Quote

We’re happy to let you know that regular banking hours will resume on November 2nd for all open Citibank branches. In addition, we’re working as quickly as possible to reopen the branches that remain closed –

 

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5% back on up to $500 of online purchases1 as a statement credit for eligible enrolled Citi® credit cards. Start earning from enrollment or 11/24/2020, whichever is later, through Cyber Monday, 11/30/2020.

 

Sign on to Citi Online to see if you are eligible and enroll in this offer

https://specialoffers.citicards.com/citiholidaypromotion?cmp=pac_grow_2011_atl_giving_cashback

All 5 of my personal Citi cards were eligible.

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