10-17-2013 05:06 AM
Bank of America - they closed our accounts down 2 years ago now claiming "we have enough open credit". Those two accounts had a total CL of $30k.
End of story.
10-17-2013 05:08 AM
I'll do business with any lender that has a sign up bonus. I don't like American Express, but gladly take their sign up bonuses and close the cards shortly after. The hate for Capital One is not fair in my opinion. You can't really complain about not getting an increase when you have derogatory information on credit reports. Even when it's gone, Capital One has different policies for all of their cards, so if people would just apply for another one they may get what they want.Barclays is just more strict with giving bigger limits and multiple cards than other lenders and there really isn't anything wrong with that.
Anyway, I've not had such a bad experience that I wouldn't want to apply for a credit card from any lender, yet.
10-17-2013 05:10 AM
I don't have any that I'd never do business with, but I'm super pissed at Barclays right now. They CLD'd me to $8250 from $12.5K after I transferred a large balance to them using a 0% promotional offer they sent me.
Other than that, every creditor has been good to me so far.
10-17-2013 05:32 AM
I used to dislike Discover and Cap One from some entirely percieved slights when I was young. Looking back though, it was entirely my fault, so I would do business with either of them again if they had a product that met one of my needs.
10-17-2013 05:44 AM
My credit has been pretty good for 30 some years, no baddies etc...I REALLY find Barclay's recon condescending to say the least, mind you I do have 2 cards from them with rather nice CL, but the guy on the call was just a jerk, bad, bad customer service, not because I did not get the card, don't care it's a game with me anyway, but just the way he treated me....and I have a Cap. 1 card and really am unimpressed with them as a whole, thinking of dropping it, or SD it, the rewards are OK and redemption is very easy, but there is something about them I do not like, just my personal thoughts......On a good note, loving the AMEX, Chase, Discover...Citi is dicey at best, sometimes they are great other times they just screw things up royally. I do like FNBO, although seems like they have stopped giving cards out to anyone living in a state they do not have branches in, as a whole they are a nice company to deal with.
10-17-2013 07:53 AM
10-17-2013 07:53 AM
10-17-2013 08:06 AM
Omg the employees there are a bunch of Idiots... Long story short I had about 60k worth of cc with them.. They closed my accounts for bull**bleep** risk reason.. There conclusion was I was too young to have that much credit...
I just turned 23 and have more than that with them now. Maybe I should prepare to be shut down as well .
10-17-2013 08:33 AM - edited 10-17-2013 08:33 AM
Barclays because of constant AA paranoia and I agree on their condescending recon/credit analysts. Their shady past which includes fudging their numbers to drive up their stock price as well.
Crapital One because they refuse to take off the training wheels without the CEOs blessing.
Well, that would be BAU for many companies! Barclays went several steps further and manipulated a key index, LIBOR, impacting trillions of $ in loans around the world. And a smaller manipulation of CA Energy futures.
But most banks have similar skeletons, just differing in magnitude.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.