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New Member
Posts: 9
Registered: ‎11-04-2012
0

CREDIT PET PEEVES

Pet Peeve: Online applications that won't let you use P.O. Box anywhere on Application

Just did a mini app spree--RedCard and Kohls. I got approved for both. $300 CL on Kohls, UNK on RedCard. My computer went haywire while Target was processing my request and completely shut down before it was complete. I rebooted and checked e-mail. I was approved and should get my card in 7-10 days. Except that 7-10 days will be more like 1-2 months. The problem is with both of these cards you cannot enter a PO Box for your address. What the heck are those of us with no mail service at our physical address supposed to do? I had the same problem when I applied for Cap1 in May...didn't get my card until Sept. because I had to first get my credit report, then call to get them to cancel the first card in case someone else had it, get them to reissue new card and change mailing address in their system so that everything would come to my PO Box, instead of being returned to sender as undeliverable or laying in the "dead-mail" warehouse. This is all because of the stupid unconstitutional Patriot Act! I can't even call these companies yet because I don't have my confirmation numbers due to my stupid computer going all haywire! I tried to check status on Target's site, but need a confirmation number, which they did not even put in their e-mail to me. Oh, well, I guess I'll just wait for them to show up on my CR and then call them to send the cards to me...it's time to hang out in the garden for awhile. Then my app spree continued because I had to apply for Care Credit so hubby can go to dentist-they do allow you to use PO Box on online app--got approved for $2000 I asked for so now hubby can get a root canal if he needs one). Anyone else have this problem with PO Box? If you have your own pet peeve about credit, please post it on this thread.

In the Garden until May 2013

Starting Score: FICO: EQ 679 (11/12), TU 696 (11/12); FAKO: EQ 599 (3/11), TU 634 (5/10), EX 619 (5/10)
Current Score: FICO: EQ 691 (11/12), TU 716 (11/12); FAKO: EQ 640 (11/12), TU 659 (11/12), EX 659 (11/12)
Goal Score: 700+
Frequent Contributor
Posts: 340
Registered: ‎07-27-2011
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Re: CREDIT PET PEEVES

I am in the same situation.  I do not get mail at my residential location (Except for FedEx/UPS).  My mailing address is a PO box in the next town over.  What you should do in any circumstance is, call immediately after you apply, and let them know that you have two addresses, one mailing and one domicile address. 


Starting Score: 521 TU, 597 EQ, 574 EX on 6/20/2011
Current Score: 753 TU, 764 EQ, 766 EX on 02/17/2014
Goal Score: 720-740 Across the board


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Valued Contributor
Posts: 2,708
Registered: ‎08-13-2009
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Re: CREDIT PET PEEVES

Lol - are you my neighbor on the other side of the mountain???

 

I don't have a "physical" address either.  There's a 911 address (just a very recent thing), but no one has anything up to indicate any such address.  We really don't even have house numbers.   

 

UPS, Fed Ex, the Post Office - NONE of them will deliver!  

 

I share your frustration!

New Member
Posts: 9
Registered: ‎11-04-2012
0

Re: CREDIT PET PEEVES

[ Edited ]

Yeah I have a 911 address that isn't recognized either...I have to have UPS and FedEx ship to my parents house then go pick them up. I once had to drive to the UPS distribution center to pickup a package because the sender used my PO Box to ship via UPS. I guess with no real addresses, we've slipped through the cracks!

In the Garden until May 2013

Starting Score: FICO: EQ 679 (11/12), TU 696 (11/12); FAKO: EQ 599 (3/11), TU 634 (5/10), EX 619 (5/10)
Current Score: FICO: EQ 691 (11/12), TU 716 (11/12); FAKO: EQ 640 (11/12), TU 659 (11/12), EX 659 (11/12)
Goal Score: 700+
Established Contributor
Posts: 760
Registered: ‎02-11-2012
0

Re: CREDIT PET PEEVES

It is now possible if your primary address is a PO Box, to use the physical street address of the Post Office for your mailing address. Do NOT attempt to do anything illegal. . Also do not use this for legal documents like wills, stocks, divorce degrees, etc. However, you can have UPS and FED EX delivered to your local Post Office branch for pick up. At least you can where I reside.

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico) EXP 735 (FAKO)
Updated scores 06/01/2014 EQ 797(Fico) TU 768(Fico) EXP 769 (Fico), EQ 849 (Next Gen 5/27/14 Penfed)


Remember the Three P's: Pay early in Full, Pay on Time, Patience
Regular Contributor
Posts: 245
Registered: ‎10-05-2012
0

Re: CREDIT PET PEEVES

I have been using a PO Box for years. Even AMEX lets you put a PO Box for mailing address, but you have to have a physcial address due to Patriot Act. I have the actual cards sent to PO Box, no issue. I am lucky that my PO Box and physical address share the same zip code. I have found that if you have two address lines in the application, when I put the PO Box as the second line, then the Post Office always delivers the letter to the PO Box as default, even though there are two addresses on the letter, the key is same zip code. I have nothing ever come to my house, I have had to call CC and tell them that I travel for work and I can't have mail in my home mailbox as it is not secure, and that I have had mail stolen before as my home is right on the corner where middle school and high school kids catch the bus. if that helps..
About 250k in Credit Lines
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Moderator
Posts: 13,672
Registered: ‎04-15-2011
0

Re: CREDIT PET PEEVES

I had this problem for years, no door to door delivery.  I moved about a year ago, it's so much nicer.



Starting Score: 504




July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Super Contributor
Posts: 5,194
Registered: ‎12-11-2011
0

Re: CREDIT PET PEEVES

What kind of abode doesn't have a mailing address for USPS? I don't really get that :smileytongue: 

 

I live in an apartment complex and we have a central mailbox thing (by the apartment office ) and each apartment has a tiny little mailbox and we get a key for it and it all goes it there :smileytongue: 

 

Yes, I just used the word abode :smileytongue: 

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Moderator
Posts: 13,672
Registered: ‎04-15-2011
0

Re: CREDIT PET PEEVES

The town I lived in before did not deliver mail to residences.  You had to physically go to the post office and get your mail from your PO box.  This created a problem when ordering things.  A lot of them would state, No PO Boxes.  Well, that was all I had.



Starting Score: 504




July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Super Contributor
Posts: 5,194
Registered: ‎12-11-2011
0

Re: CREDIT PET PEEVES

Y'all from out in the boonies then, huh? xD 

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