Reply
Regular Contributor
Posts: 181
Registered: ‎08-13-2008
0

Dump Household Bank

Got the dead end card a year ago with a $1K limit,12.9 APR and AF $39 hardly never use the card.  I called in for a CLI and was told no so I asked to have AF waived and was told cant do that so I asked to at least cut fee in half. The idiot said he checked and cant waive fee so I told him to close the account and remove the entire charge.

 

He's going to tell me the fee is to help maintain the card and all that crap.. well, please. Household is a dead end card and that's that. I wish I had gotten it for 2 yrs but so what.. I refuse to pay annual fees especially for a dead end card when I can do better.

 

.


Starting Score: 8/2008 521
Current Score: 734
Highest Ever: 4/2009 759
Goal Score: 760+

Take the FICO Fitness Challenge
Regular Contributor
Posts: 231
Registered: ‎02-16-2008
0

Re: Dump Household Bank

Jahmal you should have told them that they can now give you back the 39 because they no longer have to maintain your card because I want this thing closed NOW.   And if that doesn't work tell them, "You dont want me to go get my boy My2!"

 

My2cents

700 Club Member
Regular Contributor
Posts: 181
Registered: ‎08-13-2008
0

Re: Dump Household Bank

All I wanted was to at least cut the fee in half but the fool on the phone said he couldn't do anything. I wasn't pushing it at all because  I know I was never going to use the card again.  Right now I'm left with Amex Delta, BoA Amex, Walmart, Hooters and Bestbuy with a total balace of around $500 and CL of around $15k. Oh Shoot, I just realize I have no Visa credit cards. Oh well, gonna apply for my CU Visa right now.

Starting Score: 8/2008 521
Current Score: 734
Highest Ever: 4/2009 759
Goal Score: 760+

Take the FICO Fitness Challenge
Valued Contributor
Posts: 1,148
Registered: ‎04-23-2008
0

Re: Dump Household Bank


jahmal wrote:

Got the dead end card a year ago with a $1K limit,12.9 APR and AF $39 hardly never use the card.  I called in for a CLI and was told no so I asked to have AF waived and was told cant do that so I asked to at least cut fee in half. The idiot said he checked and cant waive fee so I told him to close the account and remove the entire charge.

 

He's going to tell me the fee is to help maintain the card and all that crap.. well, please. Household is a dead end card and that's that. I wish I had gotten it for 2 yrs but so what.. I refuse to pay annual fees especially for a dead end card when I can do better.

 

.


Tell them unless they remove the AF, you are going to close the account since the CL is not worth it and the account is not growing with you. Maybe they will, maybe they will offer you a different product but ultimately I would say either way unless they play ball, dump them. They are not worth keeping, unless you have no other better credit. I think I remember you do, so this will be a better move to dump them.


Common Abbreviations|FDCPA|FCRA
Take the FICO Fitness ChallengeStarting Score: TU:695 - EQ:719 - EX:630
Current Score: TU:712 - EQ:755 - EX:712
Goal Score: TU:800 - EQ:800 - EX:800


Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.