Reply
Regular Contributor
sgs10
Posts: 204
Registered: ‎08-03-2010
0

Re: So ashamed and devastated

[ Edited ]

+1 For the comments Mod.

 

Its really frustrating to see people making hard conclusions and scolding the OP.

 

First of all everyone  makes mistakes. There is no harm in trusting other people in your life, One poster was telling that he almost charged 6000$ in his/her debit card ,seriously!!!!! Most of the debit cards are capped heavily for transactions. Either his/ her is a business account or he is dealing with a crappy fraud protection system. There is a very fine between scolding and Criticism. I think some of the posters went overboard with their so called criticism. 

Valued Member
HappySoda
Posts: 54
Registered: ‎10-10-2012
0

Re: So ashamed and devastated

Well people who know finance and fraud better than you (AMEX) closed your card and there's a 99% chance you'll never have a card with them again. So you can hoo and haa about how people don't know you and have no right to say anything about you but the fact is that you'll still not have an AMEX.

 

And let me ask you this? If it was "no fault of yours" then why feel ashamed? The telltale sign is in the title of your post. You're ashamed because you know deep down this could have all been avoided. I'm done with this thread and I think I'll go apply for an AMEX tonight. My scores are in the 740's and I pay my bills on time so I'm sure I'll be approved.

 

 

Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: So ashamed and devastated


trumpet-205 wrote:

Keep in mind AMEX charges $25 to reopen an account, should they decide to reopen it.


Really?? Thats kind of a low blow considering the circumstances of the situation.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: So ashamed and devastated


HappySoda wrote:

Well people who know finance and fraud better than you (AMEX) closed your card and there's a 99% chance you'll never have a card with them again. So you can hoo and haa about how people don't know you and have no right to say anything about you but the fact is that you'll still not have an AMEX.

 

And let me ask you this? If it was "no fault of yours" then why feel ashamed? The telltale sign is in the title of your post. You're ashamed because you know deep down this could have all been avoided. I'm done with this thread and I think I'll go apply for an AMEX tonight. My scores are in the 740's and I pay my bills on time so I'm sure I'll be approved.

 

 


Was there a real reason to say all of that??

 

You said your peace in earlier posts, no need to go further with it.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Moderator Emeritus
tinuviel
Posts: 4,875
Registered: ‎11-02-2010
0

Re: So ashamed and devastated

[ Edited ]

HappySoda wrote:

Well people who know finance and fraud better than you (AMEX) closed your card and there's a 99% chance you'll never have a card with them again. So you can hoo and haa about how people don't know you and have no right to say anything about you but the fact is that you'll still not have an AMEX.

 

And let me ask you this? If it was "no fault of yours" then why feel ashamed? The telltale sign is in the title of your post. You're ashamed because you know deep down this could have all been avoided. I'm done with this thread and I think I'll go apply for an AMEX tonight. My scores are in the 740's and I pay my bills on time so I'm sure I'll be approved.

 

 


 

As per the Terms of Service for these forums, the following is not allowed:

 

"Attacks, including 'Flaming' another user or entity in such a way as to incite or perpetuate an argument or conflict"

 

I believe that we have reached that point. Personal attacks will NOT be tolerated on these forums. While it is perfectly fine to disagree with a poster, it must be done in a manner that is respectful. The above post was both mean-spirited and unhelpful. If there are any other posts that include personal attacks, this thread will be locked pending moderator review. Let's not have it come to that, please.

 


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Regular Contributor
Tommy5746
Posts: 440
Registered: ‎02-08-2012
0

Re: So ashamed and devastated


LS2982 wrote:

HappySoda wrote:

Well people who know finance and fraud better than you (AMEX) closed your card and there's a 99% chance you'll never have a card with them again. So you can hoo and haa about how people don't know you and have no right to say anything about you but the fact is that you'll still not have an AMEX.

 

And let me ask you this? If it was "no fault of yours" then why feel ashamed? The telltale sign is in the title of your post. You're ashamed because you know deep down this could have all been avoided. I'm done with this thread and I think I'll go apply for an AMEX tonight. My scores are in the 740's and I pay my bills on time so I'm sure I'll be approved.

 

 


Was there a real reason to say all of that??

 

You said your peace in earlier posts, no need to go further with it.

 


+1

 

HappySoda ...with those types of comments you don’t belong on this board.. This is a place for encouragement.. Knowledge and above all.. Respect. As many of us here have said before.. When a person posts a problem we should be putting our heads together to find a resolution! You have not helped one bit.. you have only contributed to the problem.. I wish the OP all the luck in the world and I hope they can solve this problem with amex so that they can keep their good credit and good name with Amex..

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit :smileyhappy:
Regular Contributor
Tommy5746
Posts: 440
Registered: ‎02-08-2012
0

Re: So ashamed and devastated

Also, as much as it stinks to do so i think this thread should be locked and a new one started.. one that only offers help for the OP.. not one that is full of goofy mumbo jumbo that doesnt contribute to solving the issue at hand

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit :smileyhappy:
Established Contributor
TNTransplant
Posts: 772
Registered: ‎01-03-2012
0

Re: So ashamed and devastated


HappySoda wrote:

Well people who know finance and fraud better than you (AMEX) closed your card and there's a 99% chance you'll never have a card with them again. So you can hoo and haa about how people don't know you and have no right to say anything about you but the fact is that you'll still not have an AMEX.

 

And let me ask you this? If it was "no fault of yours" then why feel ashamed? The telltale sign is in the title of your post. You're ashamed because you know deep down this could have all been avoided. I'm done with this thread and I think I'll go apply for an AMEX tonight. My scores are in the 740's and I pay my bills on time so I'm sure I'll be approved.

 

 


Keepin' it classy, huh, HS?


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Valued Contributor
trumpet-205
Posts: 2,505
Registered: ‎11-11-2010
0

Re: So ashamed and devastated


LS2982 wrote:

trumpet-205 wrote:

Keep in mind AMEX charges $25 to reopen an account, should they decide to reopen it.


Really?? Thats kind of a low blow considering the circumstances of the situation.


It is printed on the back of T&C.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Blogger
FrugalRican
Posts: 2,876
Registered: ‎02-02-2012
0

Re: So ashamed and devastated


HappySoda wrote:

I'm done with this thread and I think I'll go apply for an AMEX tonight. My scores are in the 740's and I pay my bills on time so I'm sure I'll be approved.

 

 


Not sure if serious.
More like Grumpeh Soda.

 

 

 

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}