Let me start by wishing everyone in this forum a happy, healthy and wealthy holiday!
Here's my situation. I have a 30 day late pay from my Household Bank Mastercard. This is my only blemish and it has aged 7 months.
I have literally sent one dozen letters to them, yet they won't budge. Here's the part I don't get. Earlier this month, HSBC approved me for a 20K line of credit, raised my Platinum MC CL to $4,750 from $3,750 and tonight I received an increase on the Household MC that I was late on 7 months ago! It was the famous $100 Household increase but it was an increase, nonetheless. This brings that CL up to $900.
HSBC has probably treated me the best out of all my creditors, yet I can't get them to remove that 30 day late.
What else can I do? I know that late pay has dropped my Fico's an it was the reason why BofA recently denied my request for a CLI.
- UM
Personal: American Express Platinum - NPSL | American Express Blue Cash Preferred - $15,000 | Chase Sapphire Reserve - $38,500 | Chase Amazon Prime Visa - $7,200 | Chase Freedom - $500 | Barclaycard Arrival+ - $18,600 | PenFed Platinum Rewards - $25,000 | PenFed LOC - $10,000 | Navy Federal Credit Union Platinum Visa - $25,000 | Navy Federal Credit Union LOC - $10,000 | Citi Double Cash - $12,170 | Citizens Cash Back+ - $8,650 | Citizens LOC Overdraft - $8,000 | Discover - $10,000 | Capital One Quicksilver One - $3,600 | Capital One Platinum - $750 | Valero - $600 | Dell - $3,000 | Lowes Advantage - $30,000 | Macys Amex - $25,000 | The Home Depot - $7,500 | Tourneau - $15,000
Business: American Express Business Platinum Card - NPSL | American Express Plum Card - NPSL | American Express SimplyCash Plus - $10,000 | American Express Gold Card - NPSL | Bank of America Cash Rewards - $100,000 | Capital One Spark Business - $54,000 | Chase Business Preferred - $34,000 | Chase Business Ink - $15,000 | PNC Bank Cash Rewards Visa Signature - $19,000 | PNC LOC $100,000 | BP Business Solutions - $1,500 | KeyBank Mastercard - $6,000 | Staples More Account - $3,500
