topic Re: What Is The Most Embarassing Thing in Credit Cards

What Is The Most Embarassing Thing

Anonymous — Sun, 27 Jul 2008 20:39:08 GMT

that has ever happened to you regarding your credit?

For me, before I filed BK way back in 1995, I had collectors from my mortgage company calling my neighbors! I was mortified one evening when I came home from work and my neighbor Alisa in my condo, told me someone from Norwest Mortgage had called her looking for me! Thankfully, all my other neighbors were at work but she was a stay-at-home mom and a friend.

The other thing was that because of my bad credit at the time, my job wouldn't give me a Secret clearance. The paperwork came back with "In adjudication" stamped on it. To make matters worse, the stupid woman who was processing the paperwork at the job told people I couldn't get cleared because of my bad credit! Oh yes, she was reprimanded but the damage had been done. Very bad time in my life.

Re: What Is The Most Embarassing Thing

Anonymous — Sun, 27 Jul 2008 20:48:16 GMT

Re: What Is The Most Embarassing Thing

KingAdrock — Sun, 27 Jul 2008 20:48:49 GMT

@Anonymous wrote:
For me, before I filed BK way back in 1995, I had collectors from my mortgage company calling my neighbors! I was mortified one evening when I came home from work and my neighbor Alisa in my condo, told me someone from Norwest Mortgage had called her looking for me!

That don't sound legal to me. Not to say that that wouldn't be embarrassing, but if that happened to me I'd likely get far more angry then embarrassed.

Re: What Is The Most Embarassing Thing

Anonymous — Sun, 27 Jul 2008 21:07:06 GMT

About a year ago, we missed a car payment and they called one of our references (a co-worker of hubby's) and told him to tell us to call them immediately. They did say who they were -- the collections department at our CU.

THAT was REALLY embarrassing!!!

But I think they were allowed to since we had put him down as a reference. Not sure on that one. :/

Re: What Is The Most Embarassing Thing

Anonymous — Sun, 27 Jul 2008 21:32:35 GMT

@KingAdrock wrote:
@Anonymous wrote:
For me, before I filed BK way back in 1995, I had collectors from my mortgage company calling my neighbors! I was mortified one evening when I came home from work and my neighbor Alisa in my condo, told me someone from Norwest Mortgage had called her looking for me!
That don't sound legal to me. Not to say that that wouldn't be embarrassing, but if that happened to me I'd likely get far more angry then embarrassed.

Oh, I was totally furious! When I contacted my lawyer he said it wasn't illegal for them to contact my neighbors to see if I still lived there. But, they could not disclose any other information. Since I wasn't answering their calls, they used Lexus-Nexus prob to look up my neighbors. But, once I filed BK, all that madness stopped because they couldn't contact me or anybody about me anymore.

Re: What Is The Most Embarassing Thing

unknown_entity — Sun, 27 Jul 2008 22:18:20 GMT

I was declined for the purchase of a chicken biscuit at Bojangles ($2.33).

Re: What Is The Most Embarassing Thing

haulingthescoreup — Sun, 27 Jul 2008 22:27:09 GMT

@unknown_entity wrote:

I was declined for the purchase of a chicken biscuit at Bojangles ($2.33).

< respectful and sympathetic silence >

I was going to offer up some embarrassing phone conversation, but your experience wins, hands down.

Re: What Is The Most Embarassing Thing

App_Addict — Sun, 27 Jul 2008 22:27:24 GMT

I also had a call to the neighbor, from a creditor. I was mortified and could not believe that they could do this.

Re: What Is The Most Embarassing Thing

Anonymous — Sun, 27 Jul 2008 22:30:36 GMT

I was on a business trip in Toronto. My coworker had made all the travel arrangements, so the hotel and rental car were in his name. When we went to pick up the rental car, they asked if we would like to add me as an alternate driver. "Sure," the coworker said. All they would need was a credit card from me.

Oops. I had no credit cards because my credit was bad, and I knew it, so I had never bothered to even apply for any. As a result, my coworker had to do all the driving for the entire trip, and I had a quick wake up call to get my credit in order ASAP.

Re: What Is The Most Embarassing Thing

unknown_entity — Sun, 27 Jul 2008 22:39:00 GMT

@haulingthescoreup wrote:
@unknown_entity wrote:

I was declined for the purchase of a chicken biscuit at Bojangles ($2.33).

< respectful and sympathetic silence >

I was going to offer up some embarrassing phone conversation, but your experience wins, hands down.

LOL, I already know.... Needless to say, I quickly produced another card. Funny thing is, it was an error by the clerk or something because there was plenty of room on the card.

Re: What Is The Most Embarassing Thing

Anonymous — Sun, 27 Jul 2008 22:51:45 GMT

Oh! Along the "declined" vein of embarrassing brings two events to mind:

First was when Wachovia's VISA approval center went bottoms up for a few hours. Since most merchants just get a "declined" or "approved" message and not a "VISA's screwed up, it's not the purchaser's fault" message, hubby was humiliated in front of a BIG customer (a non-Wachovia card-holder). Wachovia DID give us one free movie rental at Movie Gallery, though. THAT completely mitigated the embarrassment, of course. *snort*

The other was when our bank account was cleaned out by I'net thieves. I went to the grocery store and ran my checkcard for a paltry $30 worth of purchases and was DECLINED. Since we had over $2K in our checking account, I figured it was Wachovia's VISA mistake AGAIN (see above entry). So I walked three steps to the grocery store's courtesy ATM machine, thinking to pay cash, only to find that the thieves had so generously left us a whopping $13. I had no other choice but to use another checkcard (we keep two checking accounts, don't ask me why) to pay and walked out, humiliated.

That's about it for embarrassing moments in public, I guess!

Re: What Is The Most Embarassing Thing

Uniqua — Sun, 27 Jul 2008 23:36:19 GMT

LOL@U_E. And I bet you were real hungry too!

I can't think back that far, but a couple of months ago I app'd for a CC with a local CU. They asked what CL I wanted and I went high because I only wanted one CC to pay all bills, so I told them $10K. I knew I didn't have the scores just yet, but like I said, I only wanted one CC with a high CL so I could pay my monthly bills. Had a BK from 2003 and no lates since 2002.

Long story short, they started cracking up when they saw my CR. So, feeling sorry for me and all, they counter-offered. They said, "$10K, we don't think so. Here's $500, now get your silly behind out of here!"

Well, I cried for a minute cause I was soooo embarrassed, but then I picked my head up and went on with life and my $500 Rewards Visa!

Re: What Is The Most Embarassing Thing

Anonymous — Mon, 28 Jul 2008 00:11:14 GMT

A CA called my father in law on the other side of the country asking for me. He then called my husband asking him why "some man" was calling him and asking for his wife. Horribly embarrassing situation and we both wanted to crawl under the nearest large rock.

Re: What Is The Most Embarassing Thing

Anonymous — Mon, 28 Jul 2008 01:59:01 GMT

Ahhh.. it was the summer of '99 and I was picking up the check for dinner/drinks in Eugene, OR. I had to stumble back to the table and tell my roommate and her bf that my card was declined. Now, the bigger problem is that we had camped all the way across the country and I had NO backup funds. Nada. We had to cut our trip short (and miss out on the California redwoods) b/c I was broke. My roommate paid for the gas and food on the way back and I paid her as soon as my next paycheck hit the bank. But what an awful feeling.

Re: What Is The Most Embarassing Thing

Anonymous — Mon, 28 Jul 2008 03:13:55 GMT

Anything leading up to and including my BK. It was horror for me.