@haulingthescoreup wrote:
Aww, dang, NetP, and some of us were just the other day wondering how you were doing!!!
There's a bunch of it going around, I'm afraid. The only options seem to be grimly playing their game or leaving in a huff. And if you need what's left of your CL's, that really limits your options.
IMO, there is no way of telling where their minds will be in 6 months or a year. I figure that the cards are TL's, even if they're not the ones they used to be, and they could roll the Magic AmEx 8-Ball again and decide that they love you after all. I'd do the sock-drawer route and hang in there.
Did you ever pull off the USAA membership? I can't remember if you did or not.
Credit unions and similar institutions like USAA are looking awfully good these days.
Awwwww...thanks for thinking about me. No, I never did app USAA cuz (I don't know if you remember) I was doing so good w/ my scores going up and getting decent CLI's and then I had to split that tuition between three cards. So I haven't apped since last year, and have been working to pay off that tuition. Then I was getting ready to attack the home equity line- and go all modified Dave Ramsey (yes I said modified) and try to double up on mortgage payments.
So now, what I am so afriad of- is that the other three cards that I have a balance on will soft me and delete those lines down- and my util will skyrocket. Then, in Dec. my student loans will appear, and I will really look crazy.
I still am in shock about this- Amex was my "decent"/aka bragging rights CL's- it made me feel good to know that I had 25K combined lines of credit with them and knew I didn't have to touch it. I guess it scares them too much. What I don't understand though, is that my credit has been pristine since starting all this almost two years ago- and if they would have looked hard enough at my reports they would notice that I have several CC's w/ 2K and 3K lines of credit and don't have a dime charged to them- and haven't for a long time. I haven't charged anything to my Discover or my Chase Freedom, it has been getting paid down every month w/ no new charges.
I was waiting until the Christmas season to do the obligatory "pull the card out, dust it off, and make a charge and PIF" to keep the cards from being inactive. I know in the past we talked about doing that 2x a year to keep them from inactivity, but I was so concentrated on getting that tuition paid off that I didn't even want to charge 25 bucks to Macys, Kohl's etc.
Sigh. Our mortgage is pristine, my CC's are pristine, up until this past week I haven't had a late payment in many, many years, and this one was 6 days late. 6 days.
The rep who was snotty w/ me told me it wasn't because of the six days late though.
The other thing that gets me- is the reason this card wasn't on autopay is that you couldn't sign up for it online. 2 different times I had them mail me the form, and was like, nah- it's ok.
Just was reading back - yes, I am a USAA member. I forgot about that! Called them up, and my number was so small- it was funny, because dad signed me up when I was little- so here I had been eligible all that time!! Too funny.
