An OP started another helpful thread about which CCCs blacklist for past financial missteps. I'd like to put a different spin on this. Which companies do You refuse to work with?
As I mentioned in the first blacklist thread, I had an old MBNA account, and I think BOA has blacklisted me. I will know more soon as my secured card will hit its one-year anniversary next month. If BOA doesn't "graduate" me to unsecured, then our lending relationship is forever severed.
As we educate ourselves as consumers and as competition increases in the financial sector, we have the ability to seize some of the power (perceived or otherwise) that banks have over us. We're not helpless beings begging to be deemed creditworthy for BigBank's lending products. As I mentioned before, I'm not going to be disrespected by someone who calls me "customer." That is a privilege that can be revoked at anytime!!!
Having said that, which banks do you refuse to work with and why?
Topping my list--
Merrick (aka Hooters) for ridiculous and inflexible terms
BOA (if they don't get it together soon!) This no longer applies! I fluv BoA!!!
Please join me in taking back our power as educated consumers and tell me who's on you your personal blacklist!!!
Message Edited by lurknomore on 08-13-200807:24 AM
FICO: 8/08 - TU 718; EQ 702; EX 733 (Bonafide 700 club member!) Next goal: 750s across the board!!
Well, I hope that BofA graduates you smoothly. I must have missed what they've done to irritate you.
But I will cheerfully enter WFNNB to the consumer blacklist. They don't generate a statement, even an electronic one, unless you have a balance, and it takes them weeks to get around to that. So the statements can occur at any time of the month. They claim to report to all three CRA's every Friday, but that the CRA's might not update for 60-90 days. This is not true of any other card I have, or that my husband has. I have had to dispute each time to get balances to post, and they still won't properly report that the card is currently used. It looks like I'm making payments on 1 1/2 year old purchases. And so on.
Some of the WFN stores: J.Crew, Victoria's Secret, Express, Lerner, Ann Taylor, and the Limited.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit? FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
1. capital one 2. hsbc 3. chase 4. sears 5.jc penny 6.circuit city. 7.Macy's . i was told by some of these through the mail over the years that i should use it or lose it and chase rated jacked me for no reason so i closed everyone of them and use only three cards for now.
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