@haulingthescoreup wrote:
I'll add one--
J.Crew, mishandled by WFNNB (World Financial Network National Bank, although I can think of different things those letters might stand for!)-For saying that they would report the increased credit limit when I revived the account last August, but they never did.Pant, pant, pant--what else? Oh yes, they haven't bothered to generate an on-line statement since 10/9 (today is 11/18), and I opted-out of paper statements, so I have to call weekly to be sure that nothing wacko is going on.
-For saying that any important changes (i.e., CL) would be reported EVERY Friday, but obviously aren't.
-For apparently reporting only to EX, even though they tell me they are reporting to all three. For once, I believe the CRA's here, because TU and EQ both tell me that J.Crew/WFN is not reporting, and they have identical obsolete data. Because of this EQ shows this account as not being in good standing.
-For not having reported balances the two times I've had them on at reporting time, so that EQ and TU won't jump-start.
Never get a store card until you know what bank is behind it, and what their reputation is!*snarl*
Just to keep it going, I will add that I called them this evening and asked why I had not had a statement since 10/9, which had a balance on it, I might add. The CST told me that it's because I don't have a balance, and if there isn't a balance, they aren't going to "send" a statement. Well, there's no sending involved, since I went paperless anyway. Then I asked her why the balance that I did have was never reported, and that all three CRA's show no activity since the summer of 2006. Her answer was that WFN/J.Crew reports EVERY Friday, and the CRA's often take 30-45 days to post. Well, EX sure doesn't, and even TU and EQ aren't that bad. I did a dispute with EQ just to try to stir things up, and I also called them today. (Fraud Alert, here I come!
) The EQ CSR says that they haven't had a peep from WFN/J.Crew. And since they can't be bothered to generate a statement, I have nothing other than a screenshot of my online account to show that the 10/19 balance (put there solely to show activity) was ever paid off.Again, before you get a store card, find out who the bank is that runs it, and search here (and elsewhere) for consumer feedback. Caveat emptor!!!
OH MY JAYBEE YES AND YOU KNOW WHAT THEY E SINCE I KEEP MY BALANCE LOW AND DONT HAVE MUCH OF A BALANCE IF I USED IT MORE THEY WOULD PROBABLY INCREASE IT THATS THEY KNOW FROM PREV EXPERIENCE--WHAT KIDNA CRAP IS THAT---IF YOU MAX YOUR CARD OUT AND OWE USE MORE THAN YOU HAVE AVAILABLE YOU WILL PROB GET AN INCREASE FASTER THAN IF YOU DONT USE IT AS MUCH--I MEAN HELL WHAT CAN YOU REALLY DO WITH 500 WITHOUT MAXING IT OUT--COME ON NOW!!! I THINK THIS WAS A BUNCH OF BULL--THEY ABOUT TO BE SOCK DRAWERED TOO IF THEY DONT GET THEIR ACT RIGHT 
@Anonymous wrote:OH MY JAYBEE YES AND YOU KNOW WHAT THEY E SINCE I KEEP MY BALANCE LOW AND DONT HAVE MUCH OF A BALANCE IF I USED IT MORE THEY WOULD PROBABLY INCREASE IT THATS THEY KNOW FROM PREV EXPERIENCE--WHAT KIDNA CRAP IS THAT---IF YOU MAX YOUR CARD OUT AND OWE USE MORE THAN YOU HAVE AVAILABLE YOU WILL PROB GET AN INCREASE FASTER THAN IF YOU DONT USE IT AS MUCH--I MEAN HELL WHAT CAN YOU REALLY DO WITH 500 WITHOUT MAXING IT OUT--COME ON NOW!!! I THINK THIS WAS A BUNCH OF BULL--THEY ABOUT TO BE SOCK DRAWERED TOO IF THEY DONT GET THEIR ACT RIGHT
Cap 1 sounds like Citi --I was told by a Citi CSR that they won't even look at a CLI unless they're seeing activity at the 50% level or more. (50% on my card, anyway.) Didn't need to be on the balance or carried over; he was looking at how much had posted so far that month.
You might want to call Cap 1 and tell them that you're about to give up on their card, but you're giving them one last chance to give you a CLI, and what is it that they want you to do to justify one. Whatever they tell you, say, OK, I'll do this, and you have one month to decide whether you want to keep me as a customer.
Then if they don't work with you, give them the ultimate torture --5 months and 30 days in the sock drawer, and then one spool of thread. You can get thread on sale for around 80 cents, I think, and everyone needs thread at some point or another. 2 spools a year sounds like a bargain for punishing a CCC!
