Reply
Frequent Contributor
Posts: 443
Registered: ‎10-23-2010
0

Hey guys, need some help...

Over the last few years Ive beed stuck in the middle east, and I have been doing nothing but work on my FICO score, and collect up credit cards.

 

Now im in the phillipines for 3 weeks, and i cant use a single one.

 

I called my main bank that has my high CL BOA, and they are basically saying if your not in Manilla you are out of luck.....

 

Any ideas?

 

These are all the cards I have, maybe someone has tried before.

 

United Airlines Chase,

 

Usairways Barclays.

 

BOA Signature card with checking, savings and Merrill lynch investment

 

And a new Discover card that isnt worth jack...

 

I only listed the high CL cards, they all have 0 balances.

 

BOA says they can do a transfer but it will take 4 days......

 

Anybody? LOL any ideas?

 

 

Fortunatly, after being over seas all these years, I carry the international currency.......GOLD, just would not rather tap that.

 

Thanks

 

For any suggestions.

 

 

Scores: EQ (FICO) - 730 | EX (FICO) - 722 | TU (FICO) - 713 - 06/25/2014



US Airways MC (5 K) | US Airways World MC (10 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (5.6K) | Discover Miles (6.6K) | AMEX BCE (7 K) | AMEX Plat Delta (11 K) | BOA PLAT (7.5K)


Established Contributor
Posts: 554
Registered: ‎03-13-2011
0

Re: Hey guys, need some help...

What is the reason you can't use them exactly??

WM TransUnion- 650 (6/2014) Credit Sesame Experian- 691 (6/2014) Credit Karma TransUnion- 665 (6/2014)
Amex Zync/UNICORN- NPSL/Capital One Venture One Pro -$7,000/NFCU Cash Rewards- $7,500/NFCU NavChek- $5,000/SouthWest Airlines- $5,000/Capital One Quicksilver Platinum- $3,000/Wal-Mart Discover- $6,000/Bill Me Later- $2,200/JCP- $4,700/Discover IT- $500/Care Credit -$2,300/Old Navy Visa- $2,000/New York & Company - $1,000/Capital One -$800
GOALS: No new inqs until 10/30/14. Pay off debt consolidation loan in less than 1 year. Snowball debt payments.
Last HP: 3/5/14
Frequent Contributor
Posts: 443
Registered: ‎10-23-2010
0

Re: Hey guys, need some help...

Well because I was stupid, I didnt get pin number, and no onene takes them at the stores or resturaunts.......I shouldnt be surprised its an Ilsland nation....

 

I just thought out of everyone here, someone might have donne the same thing.

 

I can use my debit card for $250 a day, and thats it LOL

Scores: EQ (FICO) - 730 | EX (FICO) - 722 | TU (FICO) - 713 - 06/25/2014



US Airways MC (5 K) | US Airways World MC (10 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (5.6K) | Discover Miles (6.6K) | AMEX BCE (7 K) | AMEX Plat Delta (11 K) | BOA PLAT (7.5K)


Frequent Contributor
Posts: 483
Registered: ‎05-06-2009
0

Re: Hey guys, need some help...

if you have the cash in the bank, why not just up your daily debit card limit?  Pretty simple...

Established Contributor
Posts: 554
Registered: ‎03-13-2011
0

Re: Hey guys, need some help...

They can take it without the pin, US companies don't have a pin num for regular transactions. It's funny your bring that up, I just had a meeting about this exact issue today (I work in fraud and authrotizations for BoA). For whatever reason they have forgotten how they used to run cards before they had the pin system. They need to just swipe it as normal, perhaps on a diff machine, but they can take it. I see charges all the time from that area on accounts so I know they can. just some merchants are a lil uneducated...

WM TransUnion- 650 (6/2014) Credit Sesame Experian- 691 (6/2014) Credit Karma TransUnion- 665 (6/2014)
Amex Zync/UNICORN- NPSL/Capital One Venture One Pro -$7,000/NFCU Cash Rewards- $7,500/NFCU NavChek- $5,000/SouthWest Airlines- $5,000/Capital One Quicksilver Platinum- $3,000/Wal-Mart Discover- $6,000/Bill Me Later- $2,200/JCP- $4,700/Discover IT- $500/Care Credit -$2,300/Old Navy Visa- $2,000/New York & Company - $1,000/Capital One -$800
GOALS: No new inqs until 10/30/14. Pay off debt consolidation loan in less than 1 year. Snowball debt payments.
Last HP: 3/5/14
Established Contributor
Posts: 554
Registered: ‎03-13-2011
0

Re: Hey guys, need some help...

Also if you are considering a transfer then you can potentially just take your card into a banking center and take cash off it since it will likely be the same rate as a direct deposit/transfer. Just need ID and they should be able to do it.

WM TransUnion- 650 (6/2014) Credit Sesame Experian- 691 (6/2014) Credit Karma TransUnion- 665 (6/2014)
Amex Zync/UNICORN- NPSL/Capital One Venture One Pro -$7,000/NFCU Cash Rewards- $7,500/NFCU NavChek- $5,000/SouthWest Airlines- $5,000/Capital One Quicksilver Platinum- $3,000/Wal-Mart Discover- $6,000/Bill Me Later- $2,200/JCP- $4,700/Discover IT- $500/Care Credit -$2,300/Old Navy Visa- $2,000/New York & Company - $1,000/Capital One -$800
GOALS: No new inqs until 10/30/14. Pay off debt consolidation loan in less than 1 year. Snowball debt payments.
Last HP: 3/5/14
Frequent Contributor
Posts: 443
Registered: ‎10-23-2010
0

Re: Hey guys, need some help...

Ill give all that a try...thanks for the tips, Ill let you know how things go.

 

Thats why I love this board, even if things dont work out, the next por SO* will have an idea :smileyhappy:

 

 

Thanks again

Scores: EQ (FICO) - 730 | EX (FICO) - 722 | TU (FICO) - 713 - 06/25/2014



US Airways MC (5 K) | US Airways World MC (10 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (5.6K) | Discover Miles (6.6K) | AMEX BCE (7 K) | AMEX Plat Delta (11 K) | BOA PLAT (7.5K)


Established Contributor
Posts: 554
Registered: ‎03-13-2011
0

Re: Hey guys, need some help...

No problem, hope something works out for you!

WM TransUnion- 650 (6/2014) Credit Sesame Experian- 691 (6/2014) Credit Karma TransUnion- 665 (6/2014)
Amex Zync/UNICORN- NPSL/Capital One Venture One Pro -$7,000/NFCU Cash Rewards- $7,500/NFCU NavChek- $5,000/SouthWest Airlines- $5,000/Capital One Quicksilver Platinum- $3,000/Wal-Mart Discover- $6,000/Bill Me Later- $2,200/JCP- $4,700/Discover IT- $500/Care Credit -$2,300/Old Navy Visa- $2,000/New York & Company - $1,000/Capital One -$800
GOALS: No new inqs until 10/30/14. Pay off debt consolidation loan in less than 1 year. Snowball debt payments.
Last HP: 3/5/14
Frequent Contributor
Posts: 483
Registered: ‎05-06-2009
0

Re: Hey guys, need some help...

FYI, since it seems like you use BoA, if you log in to their internet banking, click on your checking account, left hand side options, near bottom of list, "check card settings", can change your spend/withdraw limits instantly.

Frequent Contributor
Posts: 443
Registered: ‎10-23-2010
0

Re: Hey guys, need some help...

Well, here is what happened. I called BOA, and they told me they would tie my CC to my checking account as Overdraft protection, but that it would take 10 days to take effect, and I told them, well how about I try it out right now instead LOL

 

She says it dosent work that way, and I said we will see LOL, I dont have 10 days.

 

Sure enough, it worked at 10 bucks a pop

 

Thanks for alll the replies.:smileyhappy:

Scores: EQ (FICO) - 730 | EX (FICO) - 722 | TU (FICO) - 713 - 06/25/2014



US Airways MC (5 K) | US Airways World MC (10 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (5.6K) | Discover Miles (6.6K) | AMEX BCE (7 K) | AMEX Plat Delta (11 K) | BOA PLAT (7.5K)


Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

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.