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My Last Words to US Bank Kroger 123 Card

Super Contributor

My Last Words to US Bank Kroger 123 Card

The $10 payment is on its way from my bank.  Close the account immediately.  You people are loan sharks.

Message 1 of 28
27 REPLIES
Valued Contributor

Re: My Last Words to US Bank Kroger 123 Card

I must have missed what US Bank Kroger did to you, but I'm sure you did the right thing, good for you Bro!!!


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Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
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Message 2 of 28
Super Contributor

Re: My Last Words to US Bank Kroger 123 Card


Mustanglvr2006 wrote:

I must have missed what US Bank Kroger did to you, but I'm sure you did the right thing, good for you Bro!!!


I recently opened a Savings and Checking account with USAA.  To fund the accounts, I had USAA to debit $50 from my Kroger card since I had not used it since December 2010.  When the $50 posted, an additional $10 appeared as a cash advance fee.  I had no idea I'd be charged a cash advance fee.

 

I had aleady sent the $50 to US Bank and the payment had posted.  I asked US Bank if they can waived the $10 fee as a one time courtesy.  The Rep said since the cash advance is valid they will  not waive the fee.    I responded back to them with those last words. 

Message 3 of 28
Established Contributor

Re: My Last Words to US Bank Kroger 123 Card

I looked at their terms and conditions, and I don't see anything out of the ordinary except an APR that seems typical for store cards.  I look forward to hearing the saga of the US Bank Kroger 123 Card.  I like a good story.

 

I dislike my Sam's Club Credit card intensely, although they haven't done anything to me that I didn't allow them to do.  I consider GE Money Bank to be loan sharks.

_________________________________________________________
Too many accounts; too many debts; lots of open credit, and lots of utilized credit. Scores somewhere in the 600s - I have no earthly idea exactly what number, but not 700 like it was, briefly.
Message 4 of 28
Established Contributor

Re: My Last Words to US Bank Kroger 123 Card

No offense, DI, but don't you know (I mean, isn't it typical) that anytime you use a credit card for cash purposes, it is treated as a cash advance transaction?

_________________________________________________________
Too many accounts; too many debts; lots of open credit, and lots of utilized credit. Scores somewhere in the 600s - I have no earthly idea exactly what number, but not 700 like it was, briefly.
Message 5 of 28
Super Contributor

Re: My Last Words to US Bank Kroger 123 Card

 I blame it on myself.  I just felt like they'd atleast waive the fee.  I guess they found a way to get $10 back from the $50 gift card they gave me.  I'm still ahead. 

Message 6 of 28
Established Contributor

Re: My Last Words to US Bank Kroger 123 Card

That is cheesy of them.  I am glad you are still ahead.  I am so tired of cheezy, sleezy card companies and when I pay off my Sam's Club, I wll be done with them.  On to bigger and better things.

 

A REAL credit card company will waive a fee for you.  The loan shark companies know that there is fresh meat for them right around the corner so they don't mind losing a customer.

_________________________________________________________
Too many accounts; too many debts; lots of open credit, and lots of utilized credit. Scores somewhere in the 600s - I have no earthly idea exactly what number, but not 700 like it was, briefly.
Message 7 of 28
Super Contributor

Re: My Last Words to US Bank Kroger 123 Card

My credit reports don't need US Bank $5300 credit line since its about to get  $17,000 in new credit reported soon. 

Message 8 of 28
Valued Contributor

Re: My Last Words to US Bank Kroger 123 Card


DI wrote:

My credit reports don't need US Bank $5300 credit line since its about to get  $17,000 in new credit reported soon. 


They should have waived the fee, whats $10 to them??? 17,000 in new credit??????????? You get yourself some new sweet CC's or some CLI's? Congrats on that!!!!


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

Take the FICO Fitness Challenge


Message 9 of 28
Moderator Emeritus

Re: My Last Words to US Bank Kroger 123 Card


ChesterPDexter wrote:

I looked at their terms and conditions, and I don't see anything out of the ordinary except an APR that seems typical for store cards.  I look forward to hearing the saga of the US Bank Kroger 123 Card.  I like a good story.

 

I dislike my Sam's Club Credit card intensely, although they haven't done anything to me that I didn't allow them to do.  I consider GE Money Bank to be loan sharks.



Same here! (grabbing popcorn...)

 

Good luck, DI! Keep us posted.


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Message 10 of 28