topic Re: The Official CCC Rant Thread! in Credit Cards

The Official CCC Rant Thread!

fused — Sun, 18 Nov 2007 01:37:13 GMT

Share your dirt! And let's keep it friendly!

1.) Sears: liars for reporting 30-day lates when the card holder was only 5 days late. Rate jackers.

2.) Chase: Demanding a card holder pay an APR of 24.99% with a 14 year perfect payment history, util below 9%, util on all other cards below 9% and FICO scores in the 770-790 range. They are also rate jackers.

Re: The Official CCC Rant Thread!

Anonymous — Sun, 18 Nov 2007 01:47:00 GMT

HSBC any and all- miserly beaties......

Chase Circuit City Store Card = too stupid to have somethig in place to provide for an early CLI by customers. wait 8 mos or you'll have to wait a year. I will be shopping at BB>

Re: The Official CCC Rant Thread!

Anonymous — Sun, 18 Nov 2007 01:48:34 GMT

This should be an enlightening thread.

1) Discover Card - frequently freezing my account for security "fraud alerts." Before making charges in another city or over $200, I feel the need to call them ahead of time.

2) Any CCC that practices Universal Default.

3) US Bank, it seems to take a week for them to process my payments.

Re: The Official CCC Rant Thread!

SonorityGenius — Sun, 18 Nov 2007 01:49:14 GMT

Ugh avoid Sears like the plague!!

I would like to point out that Chase CLI pulled a HARD inq on Ex even though the CSR I was talking to stated more than 2 times (after my persistant worry about an inq) that they will only do a SOFT pull..

I did get the CLI but now have a hard on Ex.. Chase CSR sux lmao

Chase did not ratejack me yet but MANY stories on it..

Citi and Amex are my 2 fav cc companies - so far!

I am contemplating on adding Discover........... shhh

Re: The Official CCC Rant Thread!

haulingthescoreup — Sun, 18 Nov 2007 02:24:07 GMT

Sears/ Citi, who decided that after I charged ~$60 for two months, my charging of not quite $350 in the third month indicated that I was a money-launderer, and didn't restore my available credit for two weeks, after two phone calls!

And for refusing to raise my CL, first because I had not been charging enough (see above), and then after I did, because I had a late payment on my credit report, which they had put there!! And won't remove!!!

And it took a month to get the online payment system up, and their site is still incomprehensible!!!! And, and, just because!!!!! whew

Re: The Official CCC Rant Thread!

kclb — Sun, 18 Nov 2007 02:27:52 GMT

Hm. There's only one CC company that I do not like. Capital One. lol. There was so much confusion when I had their CC. Too bad I didn't end in good terms with them. They would've been my longest card consumer. hahah.

Re: The Official CCC Rant Thread!

Anonymous — Sun, 18 Nov 2007 02:34:08 GMT

ALL of them, but CCs are de facto to be able to function in our society.

Cap1- Why won't they give me a CLI? Must I app for a higher-tiered card? Nope, refuse. No more apps (and please, stop sending me the checks & car loan offers).

HSBC- Why can't they give an instant decision on combining cards & CLs? Idiocy.

Amex- Froze my card, declined my purchase, made me prove I'm me

Re: The Official CCC Rant Thread!

Anonymous — Sun, 18 Nov 2007 06:43:13 GMT

For me, without a doubt Applied Bank. The obscene fees border on loan sharking, imo.

Every time I went to pay the statement, I felt dirty, and violated. It was a very demeaning experience for me. Thank goodness it's in the past.

Re: The Official CCC Rant Thread!

Anonymous — Sun, 18 Nov 2007 06:57:59 GMT

I'll add to the Sears / Citi rant:

GF (STBDW) requested $3100 CLI (from $3900 to $7K).

Perfect payment history (9 years)

751 - 765 FICO

0 - 1 INQ

$150K HHI

3% UTI

First CLI request ever

Result: $1200

Re: The Official CCC Rant Thread!

Anonymous — Sun, 18 Nov 2007 15:26:04 GMT

HSBC - and eveyrhting they handle... stingy CLs and wierd reporting.

Exxon - for not reporting my account (when it hits it wil be over a year ols with perfect payment history, though)

Re: The Official CCC Rant Thread!

Anonymous — Sun, 18 Nov 2007 16:25:47 GMT

HSBC- Everything about them!!!

VS Angel- I kind of have a love-hate relatonship with them. They will NOT remove a 30-day late from 3 yrs. ago, BUT they give me substantial CLI's and rate decreases anytime I ask. Ok, so maybe not VS, I feel bad for putting them on here now.

Re: The Official CCC Rant Thread!

Anonymous — Sun, 18 Nov 2007 16:48:15 GMT

jaybee wrote:

HSBC- Everything about them!!!

VS Angel- I kind of have a love-hate relatonship with them. They will NOT remove a 30-day late from 3 yrs. ago, BUT they give me substantial CLI's and rate decreases anytime I ask. Ok, so maybe not VS, I feel bad for putting them on here now.

Dont hate them too much a 30-day from three years ago ismore than likely not hurting you at all

Re: The Official CCC Rant Thread!

Anonymous — Sun, 18 Nov 2007 16:55:54 GMT

I know it is prob just me and not wanting to have it. I think I have been spoiled with them. It's like you give me everything else, why not remove the 30-day late?

Re: The Official CCC Rant Thread!

Anonymous — Sun, 18 Nov 2007 17:04:24 GMT

Total Visa, because they are totally idiots with the low cl's and 25 increments increase..Will close real soon..

Aspire Visa, because they actually reported me over the limit when they increased me while renting a car and turned around and put that AF which took me over the limit..Said they wouldnt report it and walla did so anyway..

Chase because I finally build up my nerves to do a recon and the nice lady( so I thought) seemed she was going to approve my application and went and did a pull on my EX without my knowledge...Ex has somebaddies still lingering..Psst me off....

Re: The Official CCC Rant Thread!

haulingthescoreup — Sun, 18 Nov 2007 17:18:05 GMT

I'll add one--

J.Crew, mishandled by WFNNB (World Financial Network National Bank, although I can think of different things those letters might stand for!)

-For saying that they would report the increased credit limit when I revived the account last August, but they never did.
-For saying that any important changes (i.e., CL) would be reported EVERY Friday, but obviously aren't.
-For apparently reporting only to EX, even though they tell me they are reporting to all three. For once, I believe the CRA's here, because TU and EQ both tell me that J.Crew/WFN is not reporting, and they have identical obsolete data. Because of this EQ shows this account as not being in good standing.
-For not having reported balances the two times I've had them on at reporting time, so that EQ and TU won't jump-start.

Pant, pant, pant--what else? Oh yes, they haven't bothered to generate an on-line statement since 10/9 (today is 11/18), and I opted-out of paper statements, so I have to call weekly to be sure that nothing wacko is going on.

Never get a store card until you know what bank is behind it, and what their reputation is!

Re: The Official CCC Rant Thread!

fused — Sun, 18 Nov 2007 17:24:20 GMT

Like I have said in other posts, I'm amazed there are so few Sears rants. DW and I want to divorce them but it's one of her oldest accounts, so PIF is in order.

Re: The Official CCC Rant Thread!

haulingthescoreup — Sun, 18 Nov 2007 17:38:34 GMT

It's too bad that Sears doesn't have the candy and nuts counter in their stores like they did when I was a kid. A quarter-pound bag of chocolate-covered peanuts, twice a year, would be a very appropriate use for this card. mmm... chocolate...

Re: The Official CCC Rant Thread!

Anonymous — Sun, 18 Nov 2007 20:53:04 GMT

Sears has been good to me. They only dinged me with 3 lates in 2 years when in fact I missed many more payments and should have more lates! Now GEMB (Pennys, Carecredit, Lowes) hates me big time (the feeling is mutual). I have a love/hate relationship with Cap1, I have been late many, many times with them but they only dinged me with 3 lates in the past 2 years but screwed me with the 28% default apr.....

Re: The Official CCC Rant Thread!

fused — Sun, 18 Nov 2007 21:59:53 GMT

Fortunately there are enough big box stores where I live so I will never have to set foot in Sears again. What makes them think my DW is stupid enough to charge something big on her Sears/CITI CC with an APR of 25+% when she can use her BoA World Points which is at 7.99%.

Re: The Official CCC Rant Thread!

Anonymous — Mon, 19 Nov 2007 03:27:46 GMT

HSBC( and this is my fault- for stingy CLI's and an AF for someone who was caught off guard and app'd stupidly and is stuck w/ it- will close if they don't remove AF)

BB - don't get me started- I hate them as much as Fused hates Sear's- for being cust. serv. poor and will never deal w/ them ever, ever again.