topic Re: BBVA end of the line for me.................. in Credit Card Applications

BBVA end of the line for me..................

Jnbmom — Tue, 28 Jan 2020 07:32:21 GMT

Well my card is a little over a year old, no auto increases. I figured I would call even though I know it would be a HP and just see if I could get an increase . I was seriously considering closing the card anyway, yes I know the rewards, but I have never been thrilled with them.

So I called today and I get a lady who I could hardly understand, she did not speak very clearly at all but I muddled through and asked for a CLI, she told me if would be a 'hard inquiry" and it may lower my score ( ok thanks for the warning miss fico) and she asked the general account ID questions and then my income. She put me on hold and said it would be a "manual" review and i should hear in 3-5 days. She then put me on hold again for just a sec to make sure the things went through , then she came back and said it has been auto declined because of your income. say what?????????????? I have never had a problem with our income and I don't even know if she put it in right. I politely asked her to repeat what she said, and she again said auto decline and my income?

I will wait for the letter, but funny so far no hard pull?

I then tranferred my money out ( can you believe they charge 3.00 to transfer MY money uggg), once that clears minus the 3 bucks I am closing accounts. I am done with them, nothing personal just business.

Re: BBVA end of the line for me..................

AllZero — Tue, 28 Jan 2020 08:07:10 GMT

RIP BBVA.

"Go to the mattresses"

Re: BBVA end of the line for me..................

Josh2942 — Tue, 28 Jan 2020 08:20:50 GMT

Why close the account? There is almost never a reason you should close a credit line. Unless there is an annual fee why close it? If you don’t want to give them business, just sock drawer it and let them close it for inactive after a couple years

Re: BBVA end of the line for me..................

Jnbmom — Tue, 28 Jan 2020 08:27:06 GMT

@Josh2942 wrote:
Why close the account? There is almost never a reason you should close a credit line. Unless there is an annual fee why close it? If you don’t want to give them business, just sock drawer it and let them close it for inactive after a couple years

I keep accounts open for atleast a year and if in that time I am not progressing with them and I am not satisfied with their card then I usually will close them. I have done this with AMEX and Citi and haven't missed them much. Every year I try to trim the herd and this card is on the low limit end and isn't moving anywhere soon.

Re: BBVA end of the line for me..................

Anonymous — Tue, 28 Jan 2020 09:30:33 GMT

They're definitely on my 💩 list too. I'm gardening for Cash+ and then BBVA is getting the SD treatment. They are really making me mad that they believe I'm good enough to be able to write myself a check they blow my mailbox up with for 0% for 9 months with a 4% fee but won't give me a usable credit limit.

I am starting to think I should just go flat 1.5/2% and not bother with anything less than 5% unless I can get a fixed 2.5-3% on all purchases somewhere. With my income, optimizing really doesn't do that much anyway.

BTW you didn't have TU frozen did you? They pulled TU for my CLI request, totally caught me off guard.

Re: BBVA end of the line for me..................

Jnbmom — Tue, 28 Jan 2020 09:49:05 GMT

@Anonymous wrote:
They're definitely on my 💩 list too. I'm gardening for Cash+ and then BBVA is getting the SD treatment. They are really making me mad that they believe I'm good enough to be able to write myself a check they blow my mailbox up with for 0% for 9 months with a 4% fee but won't give me a usable credit limit.

I am starting to think I should just go flat 1.5/2% and not bother with anything less than 5% unless I can get a fixed 2.5-3% on all purchases somewhere. With my income, optimizing really doesn't do that much anyway.

BTW you didn't have TU frozen did you? They pulled TU for my CLI request, totally caught me off guard.

Yes I am not fond of them either these days, they keep sending me checks out monthly.

No all my reports are open, but its been several hours and still no HP, I hope it sticks. I am thinking the CSR was not the best lol.

Re: BBVA end of the line for me..................

Anonymous — Tue, 28 Jan 2020 09:40:13 GMT

@Jnbmom wrote:
@Anonymous wrote:
They're definitely on my 💩 list too. I'm gardening for Cash+ and then BBVA is getting the SD treatment. They are really making me mad that they believe I'm good enough to be able to write myself a check they blow my mailbox up with for 0% for 9 months with a 4% fee but won't give me a usable credit limit.

I am starting to think I should just go flat 1.5/2% and not bother with anything less than 5% unless I can get a fixed 2.5-3% on all purchases somewhere. With my income, optimizing really doesn't do that much anyway.

BTW you didn't have TU frozen did you? They pulled TU for my CLI request, totally caught me off guard.
Yes I am not fond of them either these days, they keep sending me checks out monthly.

No all my accounts are open, but its been several hours and still no HP, I hope it sticks. I am thinking the CSR was not the best lol.

I'm not impressed with their customer service skills at all. Took them almost a week to respond to a SM asking when I would be credited for the Simple Cash Back offer I completed and they just told me it should show up in my account. Needless to say, it hasn't, and the $2.30 is in my lifetime total for Simple Cash Back but hasn't shown up anywhere else so I'm not doing those anymore.

I will say their targeted bonuses can be pretty lucrative. I could have made out like a bandit on some of them if I could actually get out of the house to use them.

Re: BBVA end of the line for me..................

GApeachy — Tue, 28 Jan 2020 09:53:04 GMT

@Jnbmom wrote:
Well my card is a little over a year old, no auto increases.

It's kinda like a bad date....who wants to be friends after they turn you off. blehhhhh!

(I did it with Disco, didn't like what I saw)

Reminds me of this funny song one line was "went to bed with a 10; woke up with a 2"

Re: BBVA end of the line for me..................

Jnbmom — Tue, 28 Jan 2020 09:54:41 GMT

@GApeachy wrote:
@Jnbmom wrote:
Well my card is a little over a year old, no auto increases.
It's kinda like a bad date....who wants to be friends after they turn you off. blehhhhh!
(I did it with Disco, didn't like what I saw)
Reminds me of this funny song one line was "went to bed with a 10; woke up with a 2"

@GApeachy

Yes I gave this "courtship" a whole year, just isn't my type

Re: BBVA end of the line for me..................

GApeachy — Tue, 28 Jan 2020 10:05:44 GMT

@Jnbmom wrote:

Yes I gave this "courtship" a whole year, just isn't my type

Yeah, who wants a stinker in the sock drawer leaving an odor. Lol! The more I said I wanted to close my card the more the offers came in except for more $. I almost said, "It's me; not you." ahahahahaha! click

Re: BBVA end of the line for me..................

AverageJoesCredit — Tue, 28 Jan 2020 12:18:44 GMT

@Josh2942 wrote:
Why close the account? There is almost never a reason you should close a credit line. Unless there is an annual fee why close it? If you don’t want to give them business, just sock drawer it and let them close it for inactive after a couple years

Sorry but thats subjective. There can always be a reason to close ones credit line. It can be as simple as a person no longer wants to manage it and simplify their life to having a card that wont grow either organically or through requests. People shouldnt have to keep an account if its causing them stress imho. Just my average penny

Re: BBVA end of the line for me..................

AverageJoesCredit — Tue, 28 Jan 2020 12:20:34 GMT

Mom, stop using my income!😂

Re: BBVA end of the line for me..................

M_Smart007 — Tue, 28 Jan 2020 16:36:52 GMT

@AverageJoesCredit wrote:
Mom, stop using my income!😂

To apply for Mortgage

Re: BBVA end of the line for me..................

Jnbmom — Tue, 28 Jan 2020 19:44:30 GMT

Well HP showed up this morning on TU which I expected.

Will be calling later today to close it .

Re: BBVA end of the line for me..................

FinStar — Tue, 28 Jan 2020 20:05:50 GMT

Sorry to hear BBVA didn't work out for ya @Jnbmom.

Although myself and plenty others have been pleased with them over the years, sometimes some lenders don't work out or may not end up being the right fit for everyone. At least you gave them a chance👍

Re: BBVA end of the line for me..................

Jnbmom — Tue, 28 Jan 2020 21:17:41 GMT

Officially closed, they didn’t even ask why or try to keep me as a customer. So that right there makes me glad I closed it 👍

Re: BBVA end of the line for me..................

AllZero — Tue, 28 Jan 2020 21:34:39 GMT

⚰️

Re: BBVA end of the line for me..................

Jnbmom — Wed, 29 Jan 2020 01:13:14 GMT

@FinStar wrote:
Sorry to hear BBVA didn't work out for ya @Jnbmom.

Although myself and plenty others have been pleased with them over the years, sometimes some lenders don't work out or may not end up being the right fit for everyone. At least you gave them a chance👍

@FinStar

Yes i know there are many that are pleased with them. I tried them out and did like the rewards, but lower end limit, no increase and rather subpar customer service, I just had to close. But I am planning to chop a few others as I really need to thin the herd again as I closed a few ,but then got a few whihc kinda defeated my purpose in lesser cards.

Re: BBVA end of the line for me..................

JNA1 — Wed, 29 Jan 2020 01:13:45 GMT

Maybe these closures will get me an Auto CLI, because I love mine! It's one of my favorite cards, but I understand if it's not working for you. Disco is kinda getting like with me. I ran a pretty stupid amount of spend through this card for a year, and it's still my second lowest CL. I'll complain, but Ima git that 5% tho! PPMC is another card that is just meh for me, but if it grows like my other Sync card did, I'll keep it and it's Commodore 64 online site around for a while. I love my BBVA, BCP, and PNC cards though.

Re: BBVA end of the line for me..................

Anonymous — Wed, 29 Jan 2020 01:26:36 GMT

If BBVA gave myself or @Jnbmom $15,300 we would love them too