topic BB&T Experience Share in Credit Cards

BB&T Experience Share

Anonymous — Wed, 27 Nov 2019 16:24:43 GMT

I just wanted to share my recent experience with BB&T. So I had 2 cards their Bright and Rewards 4.5k and 3.5k respectively SL and I have had them about 3 months now using them each generously and Paid in Full the first 2 months. I have my NFCU account which I was only using as a small deposit account along with my Rewards Card I have with them so I don't use the bank account very often except to make payments to my Rewards Card. Well, I recently changed my Deposit account to be my Navy instead of BOA just to maintain usage history with Navy and boy oh boy did I screw myself.

This is to no fault of Navy just me not taking all things into consideration I made my 3rd payment to BB&T to come out of my Navy account a day too soon and unlike BOA, Navy doesn't push the transaction through as Pending and allow the day for deposit it just sent the payment back as NSF....................BB&T closed both of my cards! I am not blaming anyone except myself, but want to warn anyone who has BB&T not to ever let a payment bounce.

Re: BB&T Experience Share

Remedios — Wed, 27 Nov 2019 16:36:36 GMT

I'm sorry this happened to you

Re: BB&T Experience Share

Anonymous — Wed, 27 Nov 2019 16:53:28 GMT

thank you, especially since I just finished a long rebuild/recovery process and those were my highest limit cards, but it's okay because if I can continue to show my positive history with Navy I can get one of their awesome High Limit cards and be just fine

Re: BB&T Experience Share

Anonymous — Wed, 27 Nov 2019 16:59:09 GMT

Ugh, that's terrible! I'm sorry.

Have you tried going in to a branch and seeing if you can plead your case? It might be worth a shot. These things unfortunately happen when people switch accounts, especially if that account has different policies for posting payments.

Re: BB&T Experience Share

Anonymous — Wed, 27 Nov 2019 17:09:40 GMT

No, i did call back and try to speak to another Risk Management person but they wouldn't even transfer me back to them. maybe it might be worth a shot to go into a branch just was so defeated in the moment.

Re: BB&T Experience Share

Anonymous — Wed, 27 Nov 2019 17:13:10 GMT

If you have a branch nearby, it's worth a shot. I don't know how customer focused this particular bank is (they aren't in my market) but if there's any chance of getting those cards back by finding a sympathetic human, I would do it.

Re: BB&T Experience Share

randomguy1 — Wed, 27 Nov 2019 17:19:47 GMT

Sorry to hear that, that is a bummer and sounds like a headache. I would definitely go in branch. My BB&T Banker whom I opened a checking account with indicated they are a very much small, relationship type of bank.

Re: BB&T Experience Share

GApeachy — Wed, 27 Nov 2019 17:22:55 GMT

Yes, go in branch OP. Make an online appt. if need be. They are very nice from my experience, very laid back. Don't give up; try to get those cards restored if at all possible. So sorry this happened...hope you can find a person to hear your case.

Re: BB&T Experience Share

FinStar — Wed, 27 Nov 2019 17:30:21 GMT

Ouchies. Sorry to hear about the AA on your BB&T cards. Thanks for taking the time to share your story which will definitely help others.

Re: BB&T Experience Share

rafy023 — Wed, 27 Nov 2019 18:45:31 GMT

Wow, that's terrible... they didn't think twice before pulling the plug. I agree with everyone else, you should definitely try to speak to someone in person... especially seeing as it was TWO cards. Besides that, how was the rest of your experience? Checked the prequalification and was prequalified for all 3 cards so was considering getting one on a sp to replace my Cap1 QS (stingy bastards won't raise my CL lol).

Re: BB&T Experience Share

Anonymous — Wed, 27 Nov 2019 18:56:59 GMT

Hi All, so i just left the local branch and they have no control but the bank manager did try to call in and plead my case but no go. he did leave the discussion with stating they did say they don't discourage reapplying for the cards again in the future. Honestly don't know if it would be worth another HP in the future as both cards were HP not SP. Thanks again everyone for all the encouraging words.

Re: BB&T Experience Share

Anonymous — Wed, 27 Nov 2019 19:10:12 GMT

Well that really stinks. Sorry that it didn't work out.

Re: BB&T Experience Share

GApeachy — Wed, 27 Nov 2019 19:25:52 GMT

@Anonymous wrote:
Honestly don't know if it would be worth another HP in the future as both cards were HP not SP.

Sux they didn't restore the accts. but it's good news that they said to reapply in the future. Thanks for sharing; it will benefit others. Really was hoping for a better outcome for you OP. And all of your cards were HP's...did you apply through the pre-approval link? Or did you cold app?

If you could pre-qual again maybe it would be a soft pull....unless that's what happened before.

Re: BB&T Experience Share

FireMedic1 — Wed, 27 Nov 2019 22:04:17 GMT

Soory that happened to you. It would be nice that a bank would forgive 1 hiccup. Escpecilly from a long trm customer. But it may change after it becomes Truist. And then you could get back in. If you want.

Re: BB&T Experience Share

randomguy1 — Thu, 28 Nov 2019 02:11:42 GMT

Sorry it didn't work out. You seem to have a really good attitude about it. Good luck to your future endeavors.

Re: BB&T Experience Share

Guyatthebeach — Thu, 28 Nov 2019 16:15:53 GMT

Sorry to hear what happened to you. I would write BB&T's corporate office and see if there is something you can do.

Guyatthebeach