Reply
Established Contributor
Posts: 858
Registered: ‎06-26-2007
0

Closed account offers me an upgrade

Hey
 
Got an acct that was closed by credit grantor due to hardship.  Finished the pay plan and the acct is closed by credit grantor.  I get this email from them today after I made my payment.
 
Tell me what you think?  It is not a credit line increase, it is an upgrade to a visa gold.
 
UPGRADE YOUR VISA® CARD TODAY!
             Respond Immediately - Limited Time Offer



Congratulations! Your account has been pre-selected* for a credit card upgrade
to a Visa® Gold card! Accept this card today and you will be automatically
enrolled in our Personal Identity Theft coverage program offered exclusively to
our Gold Customers.  This program allows you to recover expenses incurred in the
event that your identity is ever stolen or compromised. 

Your acceptance can be processed in just 60 seconds! A $49.95 Upgrade Fee** will
be billed directly to your account.  This special offer is our way of thanking
you for being a dedicated Customer!


Your new card will be sent to you within 3 - 5 business days.  So, act now and
accept this offer by going directly to
http://www.upgrademyaccount.com, or, call
us toll free at 1-800-953-0766.  Be sure to have your account number ready.

Sincerely,

Lynn Matthews
Cardholder Enhancement Services

P.S.  Remember, if you accept today, your new card will be sent in 3 - 5
business days. Visit us online at
http://www.upgrademyaccount.com or call us
toll free at 1-800-953-0766 to accept this offer.      

*You were selected for this offer based upon a determination that your record
maintained with Applied Card Bank passed our requirements.  We reserve the right
not to upgrade your Account if your status has changed as of the date your
Acceptance is processed.  **The Upgrade Fee is a FINANCE CHARGE that will be
treated as a “Cash Advance” and will reduce your credit availability, however,
no Cash Advance Fee will be charged to your account for this transaction. 


Established Contributor
Posts: 578
Registered: ‎06-18-2007
0

Re: Closed account offers me an upgrade

It was all good until I got to the $49.95 upgrade fee! :smileysurprised:
 
What in the world??!!:smileymad:
Frequent Contributor
Posts: 489
Registered: ‎05-23-2007
0

Re: Closed account offers me an upgrade

If you really need a CC and cant get approved anywhere else then eat the $50 and upgrade it. I would however try to get another card.
Frequent Contributor
Posts: 313
Registered: ‎04-01-2007
0

Re: Closed account offers me an upgrade

[ Edited ]
 I just read on the Bud Hibbs website that this is a ploy that LVNV uses to snag you in and restart the sol clock.
 
 


Message Edited by Lori344 on 07-13-2007 08:49 PM
Established Contributor
Posts: 578
Registered: ‎06-18-2007
0

Re: Closed account offers me an upgrade

[ Edited ]

I'm sorry but I don't trust it


Message Edited by trinigal on 07-14-2007 08:49 AM
Established Contributor
Posts: 858
Registered: ‎06-26-2007
0

Re: Closed account offers me an upgrade

You know what, this account is now reporting as open.  I was fine with them leaving it closed.  Anyway, I am not going to let them do this, why should I pay to upgrade when they offered it and I didn't ask?
 
 
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0

Re: Closed account offers me an upgrade

don't do it.. Applied Card is awful.
Frequent Contributor
Posts: 265
Registered: ‎06-12-2007
0

Re: Closed account offers me an upgrade

Those people are relentless!  I can't wait for the day that somebody actually is able to sue them!
Established Contributor
Posts: 513
Registered: ‎05-31-2007
0

Re: Closed account offers me an upgrade

RUN!!! RUN LIKE THE WIND!!!
Frequent Contributor
Posts: 285
Registered: ‎06-05-2007
0

Re: Closed account offers me an upgrade

you are better off getting another card.... tell them to take that 49. charge and @#**#@:smileymad:, you are already doing better without:smileyvery-happy:
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.