topic have you heard this one before? in Credit Cards

have you heard this one before?

goingnowhere — Wed, 30 Apr 2008 20:12:27 GMT

I asked Household bank for a CLI and I was denied! I have never been denied in all the 6 years that I have been with them and I have a great track record with them (only 1 30 day in 6 years). I was upset...but not as upset as I was when the denial letter came in the mail. The reason? It stated: "we cannot accept your request for a credit limit increase at this time for the following reasons:

We cannot verify your identity." WHAT? I was furious....they had my info correct because they pulled a hard inquiry on my CR- which they have never done before...it was always based on my payment history. The guy on the phone when I called was confused as well. Has anyone heard such a thing?

Re: have you heard this one before?

casinoannie97 — Wed, 30 Apr 2008 20:21:02 GMT

they are strange. I called for some info on my gold card (had it for 5 years). I wanted to see if it is one of those starter cards that is maxed out at 1500. She told me she would upgrade me to a platinum but could only give me 400 cli. OK. I get a letter week later saying they can't upgrade me as my cli has to be at 5000. Well at the rate of 400 every 4 years I can't see me getting luv from them and on top of it all they lied to me. They are the absolute worst and I don't know why I stay with them.

what are your limits if you don't mind me asking. btw i've never been late with them.

Re: have you heard this one before?

TimeToStartOver-Again — Thu, 01 May 2008 04:51:00 GMT

Household Bank is wierd. I had a card with them and used it responsibly. After one year they closed it because I "didn't utilize it sufficiently".

Re: have you heard this one before?

goingnowhere — Thu, 01 May 2008 11:23:35 GMT

I agree with you both- they are weird. Now I recieve an Orchard Bank CC in the mail (both through HSBC)...go figure. LOL

Re: have you heard this one before?

Timothy — Thu, 01 May 2008 13:20:14 GMT

HSBC is a like a box of chocolates

Re: have you heard this one before?

casinoannie97 — Thu, 01 May 2008 13:23:10 GMT

LMAO--TIM:smileyvery-happy: