10-17-2012 02:20 PM
So, I have been calling them for CLI. I am a member since '08 with 500CL. In almost 5 years, I have not miss or have a late payment. Two week agos I call for CLI and got it for 500, so total is now 1k. I just recently paid $59 in AF. I have zero balance on the card and last used about 9 months agos.
I spoke with 2 CSR and 1 acct mgr, the acct mgr said that he is not going to sugar coated for me and said the CLI is not available anymore on this card but however he can refund my AF of $59 every year if my account is in good standing and if I wanted to keep it open.
This is one of my oldest aaoa. I guess I will keep it open and use the $59 credit refund on the statement to buy something, but that's it.
Any other number that I can call? (PM ME)
It seems that this card classified as entry level and no CLI over 1k or anything.
I have GOLD MC card with $59AF (well, not anymore).
10-17-2012 02:32 PM
10-17-2012 02:55 PM
If you close the account, it will still report positively for 10 years.
After you close it, you can apply again in store and hope for a better product.
Very true. However, if I close the account and app'd, I would be getting the storecard version (been down this road before). I rather have the MC version anyway and stay in the garden for 6-12 months for my dream cards.
10-17-2012 02:57 PM
Well if you are ever in the mood to temporarily scar your report with two HP's. You can app, and get the store card. Then app again and get the hopefully no AF MC.
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.