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Member
jamesewells
Posts: 6
Registered: ‎08-02-2009

Emerge Mastercard cancelled?

[ Edited ]

I have an Emerge Mastercard that I have had for nearly 10 years (was Aria, PayPal, Providian) starting with a $250 limit. I presently have a $2300. limit. I pay in full every month and have never been late. In fact, I just received my new card. I'm on the website today to check the balance to pay and I see that I have no credit line or available credit. I call the 800 number and the CSR tells me all of the cards have been cancelled for all of their customers, effective 11/23/2009. Chase did the same thing to me with 2 of my WAMU cards with a $2000. credit limit each. I have a Discover with a $7500. limit and occasionally carry a balance and 3 Capital One cards with $500 each. I have never missed a payment on any of these cards since I have had them. (10 years) I think I'm going to sell some stock and pay everything I owe off and not worry about it. The most annoying thing (with CHASE and Emerge) is that you are not notified that the account is being closed, so you find out when you go to use the card (Chase). Is there a card I should get to replace these cards? I own my home so I don't foresee needing a mortgage, but I do like the convenience of a CC, particularly while traveling or buying on the Internet. Rant over, thanks for listening!

 

Message Edited by LilMirth on 11-24-2009 03:04 PM
Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008

Re: Emerge Mastercard cancelled?

I recommend a good CU card, IMO.

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Member
jamesewells
Posts: 6
Registered: ‎08-02-2009

Re: Emerge Mastercard cancelled?

[ Edited ]

Thanks for the reply. Is a CU card one that I would get from my bank? Thanks.

 

Message Edited by LilMirth on 11-24-2009 03:04 PM
Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008

Re: Emerge Mastercard cancelled?

CU = Credit Union

 

such as a local or,

 

Alliant

NFCU

PenFed

PSECU

Addison

Affinity

CCCU

 

and others.  CU's tend to be a bit more stable and the CC's they issue less eradic.

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549

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