topic Re: My Creditor is Helping Me Thread. #TeamMyFICO in Credit Cards

My Creditor is Helping Me Thread. #TeamMyFICO

FireMedic1 — Fri, 27 Mar 2020 21:40:23 GMT

We are all in a time that hasnt happened like this for yrs. With all thats is going on. I dont have a lot of credit cards/loans that others do have. Likewise I have cards/loans that others dont have on the other hand. When I login to my credit card accounts I see they have a link for people that are being affected. Each creditor has contact us or like my BB&T card saying you can get 5% CB on groceries and pharmacies for now. So many that cant work right now and live paycheck to paycheck. Many dont have savings as a buffer to pay bills outside of their credit card payments. My block is usually empty because everyone goes to work. A lot more cars are sitting in the driveways today. It sucks. Lets help each other big time.

I placed this here due to being credit related and as the busiest Sub Forum on the site. Most of the topics are credit card/loans related here anyways. (Outside of the garden) It will get more views than the Smorg Section. I'm hoping the Admin/Mod staff agrees with the special times we are going thru right now. We may not ever meet in person. We are typed letters on a webpage and we get to know each other by typed personalities. Lets get thru this together as #TeamMyFICO and help each other out.

So if you have had to turn to your creditor for help during this time. I feel its time to come together as we do just on the topic of credit as it is. And help each other on how your particular creditor helped you with your personal circumstance. In turn this could help a fellow member with the same company when it comes time to ask for help on how they can handle their situation also with the same creditor that you used for assistance. Be it suspending payments. Lowering APR's. Whatever help you recieved in any way . Please post the company and what they have done for you. Then the same can be applied to your situation when it comes time for assistance with the same creditor. We can get thru this as a TEAM. Together Everyone Accomplishes Much. May it all come to an end soon and life can get back to normal for all of us real soon. Sooner the better.

Special thanks to @Namaste7 for the excellent chart below and taking the time to keep it updated. Its Awesome! Game Changer!

Updated 03/23

For more updated info with links is now here from @Namaste7

https://ficoforums.myfico.com/t5/Credit-Cards/My-Creditor-is-Helping-Me-Thread-TeamMyFICO/td-p/5957476/page/8

New: Started new Thread in Smorg. Phone companies now helping out. Verizon gave me 15gb for Free on mobile hotspots. Chip in guys.

https://ficoforums.myfico.com/t5/SmorgasBoard/Cell-Phone-Companies-Come-Thru-Now/td-p/5964376

Re: My Creditor is Helping Me Thread. #TeamMyFICO

Remedios — Fri, 20 Mar 2020 16:41:21 GMT

Okay, I'll start

US Bank is offering a personal loan with 2.99% apr for amounts $4999.00 or lower, up to 48 months. The only drawback, it must be finalized in the branch. My request was approved in under an hour, funds deposited into US Bank checking account while I was signing paperwork.

For those of you who havent been app happy in the last year, their platinum card has 20 months 0% apr.

I got Disco 0% apr for 13 months.

Ask if you've had regular APR longer than 6 months from your last promo.

I used chat, took them about an hour to respond.

COVID-19: BOOST Mobile giving FREE 20gb of data to customers

Credit_Flavours — Fri, 20 Mar 2020 17:06:29 GMT

Received this text from boost mobile moments ago. It's a way of supporting customers to ensure they stay connected during this tough period. Highly commendable. I believe more corporate entities should do more as the PR capital after all this would be unquantifiable. Here is the message below:

: To support you, Boost will automatically add 20GB of data to your plan on 3/21. There's no extra cost. No action or call required. http://msg4u.us/r42OJ72

Re: My Creditor is Helping Me Thread. #TeamMyFICO

AverageJoesCredit — Fri, 20 Mar 2020 17:30:40 GMT

Great thread @FireMedic1 stay safe on the front lines!

My creditors havent help me yet with exception of Disco lowering my purchase apr, i still count that as a blessing. Even though creditors like Langley say they options to help ie personal loans etc, i dont believe all of us would qualify and though id love a personal loan to help hold over , with no outlook for a job in the immediate , even forseeable future where i live, getting a loan one cant pay back will keep some us from even trying. But i am happy for those who can get help. If i get any additional help from lenders ill be sure to add it here

Re: My Creditor is Helping Me Thread. #TeamMyFICO

SouthJamaica — Fri, 20 Mar 2020 19:28:56 GMT

@FireMedic1 wrote:
We are all in a time that hasnt happened like this for yrs. With all thats is going on. I dont have a lot of credit cards/loans that others do have. Likewise I have cards/loans that others dont have on the other hand. When I login to my credit card accounts I see they have a link for people that are being affected. Each creditor has contact us or like my BB&T card saying you can get 5% CB on groceries and pharmacies for now. So many that cant work right now and live paycheck to paycheck. Many dont have savings as a buffer to pay bills outside of their credit card payments. My block is usually empty because everyone goes to work. A lot more cars are sitting in the driveways today. It sucks. Lets help each other big time.

I placed this here due to being credit related and as the busiest Sub Forum on the site. Most of the topics are credit card/loans related here anyways. (Outside of the garden) It will get more views than the Smorg Section. I'm hoping the Admin/Mod staff agrees with the special times we are going thru right now. We may not ever meet in person. We are typed letters on a webpage and we get to know each other by typed personalities. Lets get thru this together as #TeamMyFICO and help each other out.

So if you have had to turn to your creditor for help during this time. I feel its time to come together as we do just on the topic of credit as it is. And help each other on how your particular creditor helped you with your personal circumstance. In turn this could help a fellow member with the same company when it comes time to ask for help on how they can handle their situation also with the same creditor that you used for assistance. Be it suspending payments. Lowering APR's. Whatever help you recieved in any way . Please post the company and what they have done for you. Then the same can be applied to your situation when it comes time for assistance with the same creditor. We can get thru this as a TEAM. Together Everyone Accomplishes Much. May it all come to an end soon and life can get back to normal for all of us real soon. Sooner the better.

Historically, banks don't help people in times of crisis. They usually make things worse.

I hope your optimism is rewarded, and that this becomes a lengthy thread full of heart warming stories.

Re: My Creditor is Helping Me Thread. #TeamMyFICO

Brian_Earl_Spilner — Fri, 20 Mar 2020 19:31:31 GMT

I approve of this thread. Let's people know what options are available if they're afraid to reach out or if they just can't get a hold of someone.

Re: My Creditor is Helping Me Thread. #TeamMyFICO

Remedios — Fri, 20 Mar 2020 19:38:44 GMT

@SouthJamaica wrote:
@FireMedic1 wrote:
We are all in a time that hasnt happened like this for yrs. With all thats is going on. I dont have a lot of credit cards/loans that others do have. Likewise I have cards/loans that others dont have on the other hand. When I login to my credit card accounts I see they have a link for people that are being affected. Each creditor has contact us or like my BB&T card saying you can get 5% CB on groceries and pharmacies for now. So many that cant work right now and live paycheck to paycheck. Many dont have savings as a buffer to pay bills outside of their credit card payments. My block is usually empty because everyone goes to work. A lot more cars are sitting in the driveways today. It sucks. Lets help each other big time.

I placed this here due to being credit related and as the busiest Sub Forum on the site. Most of the topics are credit card/loans related here anyways. (Outside of the garden) It will get more views than the Smorg Section. I'm hoping the Admin/Mod staff agrees with the special times we are going thru right now. We may not ever meet in person. We are typed letters on a webpage and we get to know each other by typed personalities. Lets get thru this together as #TeamMyFICO and help each other out.

So if you have had to turn to your creditor for help during this time. I feel its time to come together as we do just on the topic of credit as it is. And help each other on how your particular creditor helped you with your personal circumstance. In turn this could help a fellow member with the same company when it comes time to ask for help on how they can handle their situation also with the same creditor that you used for assistance. Be it suspending payments. Lowering APR's. Whatever help you recieved in any way . Please post the company and what they have done for you. Then the same can be applied to your situation when it comes time for assistance with the same creditor. We can get thru this as a TEAM. Together Everyone Accomplishes Much. May it all come to an end soon and life can get back to normal for all of us real soon. Sooner the better.
Historically, banks don't help people in times of crisis. They usually make things worse.

I hope your optimism is rewarded, and that this becomes a lengthy thread full of heart warming stories.

Historically, people try to help each other during rough times.

This thread is a way of helping. If nothing else, it gives us some semblance of control and feeling like maybe we could do something.

Some lenders, just like some members here, are helping.

Other lenders, just like some members, aren't interested in such activities.

Re: My Creditor is Helping Me Thread. #TeamMyFICO

Brian_Earl_Spilner — Fri, 20 Mar 2020 19:43:28 GMT

Chase auto currently has a wait time of over 50 mins

Re: My Creditor is Helping Me Thread. #TeamMyFICO

Anonymous — Fri, 20 Mar 2020 19:43:56 GMT

Great thread! I took advantage of the Apple Card offer to delay March payment. But I might just pay most of it anyways because It's just that much more I have to come up with in April. I am lucky I got a small bonus and raise from work. Was going to use that to pay down some credit card bills but now I worry about not having an emergency fund. So maybe I will put aside half that money for emergency and the rest to pay down credit cards. I am considering applying for 1 new card to help pad my utilization and to do a balance transfer. I got a new card in Oct and have been gardening since then. I am debating Amex Cash Magnet which I am pre-approved for (already have Amex cards) and/or Discover. Might app for both then spend a yr gardening and paying the minimum I can on the 0 interest cards while I focus on emergency fund.

Re: My Creditor is Helping Me Thread. #TeamMyFICO

Anonymous — Fri, 20 Mar 2020 19:54:37 GMT

So I haven't been directly helped because I don't need it but:

Apple Card is letting all cardholders who contact them skip their payment this month and they are waiving the interest charges

Langley is allowing all loans to have their payments skipped this month (you don't even have to call, it's automatic)

Langley is offering emergency loans that don't have a first payment due for 90 days
Langley is waiving CD early withdrawal penalties

Those are all the specific things that have been emailed. Plenty of others have sent email saying to contact them if I need assistance (I haven't received letters from AMEX, Disco, or TD Bank/Target but I have from everyone else).

Re: My Creditor is Helping Me Thread. #TeamMyFICO

Guyatthebeach — Fri, 20 Mar 2020 19:59:11 GMT

My main go to credit union that I use for all my daily expenses and deposit my salary into, SCSCU, is doing three things to help:

1. Deferring up to 3 months of payments on all loans.

2. Hardship loans for up $3500.00

3. If it's not listed, just ask.

I know it may not seem like much, up it's something.

Guyatthebeach

Re: My Creditor is Helping Me Thread. #TeamMyFICO

RSX — Fri, 20 Mar 2020 20:02:08 GMT

I just signed up for the Apple GS - No Interest for March. Very straightforward. Not sure if I need it, but might as well have it in place.

Re: My Creditor is Helping Me Thread. #TeamMyFICO

seattletravels — Fri, 20 Mar 2020 20:09:29 GMT

What an awesome thread!

Re: My Creditor is Helping Me Thread. #TeamMyFICO

Remedios — Fri, 20 Mar 2020 20:14:22 GMT

BECU is offering 0%APR on up to $2500.00, I think two years is max term.

I'd certainly call that helping.

Re: My Creditor is Helping Me Thread. #TeamMyFICO

AverageJoesCredit — Fri, 20 Mar 2020 20:16:48 GMT

Well i figure id ask. I set up a phone call from Langley to see the viabilty of doing a bt from my Sears to them. They are my only lender with whom i may have a bt offer. I just recently did this bt with Sears, straight to checking, but it runs only to Nov. Langley has offer for 12 months. I will ask if a) its possible and b) if possible could i get the insursnce on my card. I know its a more lol moment asking for insurance but i guess one never knows if they dont ask. Even if they say no, i still have til Nov with Sears worse comes to worse ill call them and see what can be done. Id rather move a bt to Langley where my card apr is below 9% than one at 26% after promo ends.

Re: My Creditor is Helping Me Thread. #TeamMyFICO

Anonymous — Fri, 20 Mar 2020 20:24:54 GMT

Ally auto is allowing to defer payments for up to 120 days. Very easy, can request in the app so no need to talk to anyone. I haven't signed up for this since I don't think I need to at this point but, good to know it's available.

Langley CU offering members extra personal loans

althes — Fri, 20 Mar 2020 21:23:29 GMT

Heyaa Langley CU offering members extra personal loans.

Due to COV19.

Interest rate rebates.

Any takers.

• Same day funding
• No origination or prepayment fees
• Monthly 10% interest rebate program
• Fixed rate – never worry about increasing rates!
• Terms up to 96 months

Re: Langley CU offering members extra personal loans

Brian_Earl_Spilner — Fri, 20 Mar 2020 21:35:04 GMT

Turns out that when chase auto says there's a wait of more than 50 minutes, they mean at least 2 hours. Still holding.

Re: Langley CU offering members extra personal loans

Remedios — Fri, 20 Mar 2020 21:41:36 GMT

@Brian_Earl_Spilner wrote:
Turns out that when chase auto says there's a wait of more than 50 minutes, they mean at least 2 hours. Still holding.

It's good to know their automated system response is as accurate as their CSRs!

I tried calling Siemens because I cannot get this wretched, old CT to run self diagnostics, a guy answered, couldn't hear a word he was saying because his dogs were barking, and when they would stop he'd start praising them and talking to them so I hung up in anger.

Maybe I should have asked he puts his dog on the phone. It would have been just as fruitful.

Re: My Creditor is Helping Me Thread. #TeamMyFICO

FireMedic1 — Fri, 20 Mar 2020 21:43:15 GMT

I thought I'd start this thread for when and I hope it doesnt happen. For those who cant pay their min payments on any credit products. But have to pay for things to keep food on the table and a roof over their heads while being affected. It may be a bit premature. But its here for those who say they cant pay their min payments, need loans for their business, any type of assistance and asked for help and we can see what a creditor did for them. As things get tougher. Please no. We can see who went out of their way to help their customers. Compare notes, give info on credit. Whatever needs to be announced to fellow members. I'm sorry its in my blood for 36 yrs helping others in their time of need. We may need each others info here and can help out. Hey in my mind. If it helps 1 person from a credit collapse. It was worth it. But thats just me.

Thanks to those so far who have contributed some products that may help others. We got this gang.

Just now on my news channel. There is a now a curfew in place after 11pm unless you work nights or have an emergency.