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Frequent Contributor
minimock
Posts: 439
Registered: ‎10-23-2010

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) - 719 | EX (FAKO) - 710 | TU (FICO) - 710 - 03/13/2013



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


Established Contributor
chan85
Posts: 515
Registered: ‎03-13-2011

Re: Hey guys, need some help...

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

WM TransUnion- 673 (2/2014) Credit Sesame Experian- 703 (2/2014) Credit Karma TransUnion- 677 (2/2014)
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- $1,600/New York & Company - $700/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
minimock
Posts: 439
Registered: ‎10-23-2010

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) - 719 | EX (FAKO) - 710 | TU (FICO) - 710 - 03/13/2013



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


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

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
chan85
Posts: 515
Registered: ‎03-13-2011

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- 673 (2/2014) Credit Sesame Experian- 703 (2/2014) Credit Karma TransUnion- 677 (2/2014)
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- $1,600/New York & Company - $700/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
chan85
Posts: 515
Registered: ‎03-13-2011

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- 673 (2/2014) Credit Sesame Experian- 703 (2/2014) Credit Karma TransUnion- 677 (2/2014)
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- $1,600/New York & Company - $700/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
minimock
Posts: 439
Registered: ‎10-23-2010

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) - 719 | EX (FAKO) - 710 | TU (FICO) - 710 - 03/13/2013



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


Established Contributor
chan85
Posts: 515
Registered: ‎03-13-2011

Re: Hey guys, need some help...

No problem, hope something works out for you!

WM TransUnion- 673 (2/2014) Credit Sesame Experian- 703 (2/2014) Credit Karma TransUnion- 677 (2/2014)
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- $1,600/New York & Company - $700/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
jausanka
Posts: 483
Registered: ‎05-06-2009

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
minimock
Posts: 439
Registered: ‎10-23-2010

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) - 719 | EX (FAKO) - 710 | TU (FICO) - 710 - 03/13/2013



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



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