Credit Cards Center Credit cards from our partners
Reply
New Visitor
Posts: 317
Registered: ‎06-19-2008
0

HOUSEHOLD BANK SAYS THEY DON'T WAIVE AF?!

NOW I REALLY DONT BELIEVE THAT THEY DONT WAIVE AF B/C I'VE HEARD OF TOO MANY PEOPLE ON THIS FORUM HAVING THEM WAIVED ALREADY. SO I'M GOING TO CALL BACK AFTER THEY CHARGE ME THE AF AND SPEAK TO ANOTHER CSR.

 

HAS ANYONE ELSE BEEN TOLD THIS?

-------------------------------------------------------------------------------------------------Fico Score Range 600-625 across the board
Valued Contributor
Posts: 1,998
Registered: ‎03-31-2008
0

Re: HOUSEHOLD BANK SAYS THEY DON'T WAIVE AF?!

Sure they will tell u that cuase they really don't wanna waive the AF. I think it's all in who u talk to when you call. The only way u might get them to waive it if you threaten to close the account but be careful how u word things they might just close the account. If you don't like paying AF i would suggest in the future you just git rid of good old HSBC an replace it with a card without a AF.

Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


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

Re: HOUSEHOLD BANK SAYS THEY DON'T WAIVE AF?!


shalane85 wrote:

NOW I REALLY DONT BELIEVE THAT THEY DONT WAIVE AF B/C I'VE HEARD OF TOO MANY PEOPLE ON THIS FORUM HAVING THEM WAIVED ALREADY. SO I'M GOING TO CALL BACK AFTER THEY CHARGE ME THE AF AND SPEAK TO ANOTHER CSR.

 

HAS ANYONE ELSE BEEN TOLD THIS?


Of course they will say that, its a source of income for them. You need to be prepared to lose the account, tell them that you will close the account (be prepared to follow through) and they will send you to account retention to try and negotiate with you and they will often do it, although there are times they won't either. Then you lose the account.


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


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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

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. 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.