topic Re: The RANT of all RANTS in Credit Cards

The RANT of all RANTS

smc733 — Fri, 29 Apr 2011 02:12:34 GMT

Two bad, and one good.

BAD: My Discover account is now exactly 3 months old, and it has not been reported to a single credit bureau.

BAD: I don't get my Zync in the mail, instead I get a letter: THEY TRIED CALLING THE BANKER AND GOT A FAX, AND WHEN I HAD HIM CALL THEM, THEY SAID THE NUMBER WASN'T A VERIFIED BofA NUMBER SO THEY CAN'T TRUST IT. ARE THEY BLEEEEEEEEPING INSANE!!!!!!!!!!!!!!!!!

Good: My Citi card, upon transitioning, moved on Experian from "Citi" $5,000 limit, to "CitiCards/Cbsdna" $5,000 limit. But now the old Citi account remained, and reverted back to the $1,200 limit it started at. I disputed and Experian fixed it within 7 days.

Re: The RANT of all RANTS

FicoScore626 — Fri, 29 Apr 2011 02:34:19 GMT

@smc733 wrote:
Two bad, and one good.

BAD: My Discover account is now exactly 3 months old, and it has not been reported to a single credit bureau.

BAD: I don't get my Zync in the mail, instead I get a letter: THEY TRIED CALLING THE BANKER AND GOT A FAX, AND WHEN I HAD HIM CALL THEM, THEY SAID THE NUMBER WASN'T A VERIFIED BofA NUMBER SO THEY CAN'T TRUST IT. ARE THEY BLEEEEEEEEPING INSANE!!!!!!!!!!!!!!!!!

Good: My Citi card, upon transitioning, moved on Experian from "Citi" $5,000 limit, to "CitiCards/Cbsdna" $5,000 limit. But now the old Citi account remained, and reverted back to the $1,200 limit it started at. I disputed and Experian fixed it within 7 days.

I hope your first BAD happens to me, lol... It'll give me plenty of time to pay off my Discover balance before the account gets reported.

Re: The RANT of all RANTS

vish1 — Fri, 29 Apr 2011 02:46:33 GMT

The battle of the millenia aka smc vs Amex goes ON

@smc: just kidding, hope u dun take it personally...

Re: The RANT of all RANTS

Open123 — Fri, 29 Apr 2011 02:52:02 GMT

@smc733 wrote:

BAD: I don't get my Zync in the mail, instead I get a letter: THEY TRIED CALLING THE BANKER AND GOT A FAX, AND WHEN I HAD HIM CALL THEM, THEY SAID THE NUMBER WASN'T A VERIFIED BofA NUMBER SO THEY CAN'T TRUST IT. ARE THEY BLEEEEEEEEPING INSANE!!!!!!!!!!!!!!!!!

Wow, sorry to hear that. At this point, I'm starting to think maybe there's just something from Experian they don't like?

Re: The RANT of all RANTS

smc733 — Fri, 29 Apr 2011 02:53:33 GMT

@vish1 wrote:
The battle of the millenia aka smc vs Amex goes ON

@Anonymous: just kidding, hope u dun take it personally...

Hahaha, just when I thought it was over. I told the person on the phone, "this is comedic it is so ridiculous", and she agreed. Anyway, I'm going to call the executive office again tomorrow, and say:

Listen, you got:

my 4506t

my 4506

A letter on letterhead from my bank

My banker called you

THIS IS INSANITY!

I could try writing a letter addressed to Kenneth Chenault, but that would probably be worthless. It irritates me that with a 757 FICO I can't get a card that people with 20+ baddies and 630 FICO scores are getting.

Re: The RANT of all RANTS

Anonymous — Fri, 29 Apr 2011 03:06:08 GMT

Another reason that American Express is not prime!

Re: The RANT of all RANTS

smc733 — Fri, 29 Apr 2011 03:07:44 GMT

@Anonymous wrote:
Another reason that American Express is not prime!

+10000000000000000000x1trillion

Re: The RANT of all RANTS

MAstudent07 — Fri, 29 Apr 2011 04:19:47 GMT

Listen smc I sympathize with your situation, and I truly hope you get this issue resolved. Just keep in mind that all situations are not the same, and some cards are going to require more energy, time and patience to acquire. One thing I have noticed about you is that you are intent on having the Zync card in your wallet at whatever means. Through all the obstacles you have endured, you never give up and continue striving for approval. I hope this card and company satisfies you, because with all the effort you have taken I would hate for you to feel as if the hard work wasn't worth it.

Best of luck and keep us posted.

Re: The RANT of all RANTS

tpatterson2k9 — Fri, 29 Apr 2011 07:34:25 GMT

@MAstudent07 wrote:
Listen smc I sympathize with your situation, and I truly hope you get this issue resolved. Just keep in mind that all situations are not the same, and some cards are going to require more energy, time and patience to acquire. One thing I have noticed about you is that you are intent on having the Zync card in your wallet at whatever means. Through all the obstacles you have endured, you never give up and continue striving for approval. I hope this card and company satisfies you, because with all the effort you have taken I would hate for you to feel as if the hard work wasn't worth it.

Best of luck and keep us posted.

Do you happen to be a graduate student of philosophy? It sounds like it from your post. Nothing wrong with philosophy though!

Re: The RANT of all RANTS

smc733 — Fri, 29 Apr 2011 12:02:18 GMT

@MAstudent07 wrote:
Listen smc I sympathize with your situation, and I truly hope you get this issue resolved. Just keep in mind that all situations are not the same, and some cards are going to require more energy, time and patience to acquire. One thing I have noticed about you is that you are intent on having the Zync card in your wallet at whatever means. Through all the obstacles you have endured, you never give up and continue striving for approval. I hope this card and company satisfies you, because with all the effort you have taken I would hate for you to feel as if the hard work wasn't worth it.

Best of luck and keep us posted.

I'd like to think I'll be satisfied, but I have a gut feeling I'll have like a $200 "soft" limit on the card.

Re: The RANT of all RANTS

Anonymous — Fri, 29 Apr 2011 13:30:05 GMT

Take the good. Leave the bad. Please don't waste any time worrying over any of this.

A card is just a card. It doesn't have anything to do with self-worth or self-respect or anything even close to those things, unless you, yourself, make that your personal benchmark.

If you showed up at my door, with or without an AMEX, I couldn't care less...you'd be welcomed into my home.

AMEX is just a lender with extraordinary advertising. Having an AMEX is no golden ticket to anything. Skip a payment one month, and you'll discover that AMEX is not only just another lender, but a lender with far sharper teeth than most.

Forget 'em, IMO. You've got far better things to do with your time.

Peace!

Re: The RANT of all RANTS

smc733 — Fri, 29 Apr 2011 13:58:42 GMT

I'm gonna give them one more call, since I did blow $57, but if this doesn't go through, I am just going to be done with them. They are so overly outrageous with this.

Re: The RANT of all RANTS

Anonymous — Fri, 29 Apr 2011 14:21:58 GMT

@smc733 wrote:
I'm gonna give them one more call, since I did blow $57, but if this doesn't go through, I am just going to be done with them. They are so overly outrageous with this.

Think of that high-maintenance girlfriend you eventually discovered wasn't worth your effort. The $57 you blew on dinner is well worth that price to be rid of her, 'cause now, at least, you know what she's like.

(Patiently awaiting the flames...)

Re: The RANT of all RANTS

smc733 — Fri, 29 Apr 2011 14:36:52 GMT

@Anonymous wrote:

@smc733 wrote:
I'm gonna give them one more call, since I did blow $57, but if this doesn't go through, I am just going to be done with them. They are so overly outrageous with this.
Think of that high-maintenance girlfriend you eventually discovered wasn't worth your effort. The $57 you blew on dinner is well worth that price to be rid of her, 'cause now, at least, you know what she's like.

(Patiently awaiting the flames...)

Ahahahahahaha, that is true, so true. And after all this, do I really want to take her on another $25 date?

Re: The RANT of all RANTS

Anonymous — Fri, 29 Apr 2011 14:49:36 GMT

Either way, you'll get f....

Never mind.

(Of course, I meant "financial reviewed"...my keyboard got stuck!)

Re: The RANT of all RANTS

smc733 — Fri, 29 Apr 2011 15:06:24 GMT

@Anonymous wrote:
Either way, you'll get f....

Never mind.

(Of course, I meant "financial reviewed"...my keyboard got stuck!)

I LOL'd at work.

Re: The RANT of all RANTS

Open123 — Fri, 29 Apr 2011 15:07:42 GMT

@Anonymous wrote:

A card is just a card. It doesn't have anything to do with self-worth or self-respect or anything even close to those things, unless you, yourself, make that your personal benchmark.

If you showed up at my door, with or without an AMEX, I couldn't care less...you'd be welcomed into my home.

Couldn't agree with you more.

I couldn't care less about what cards or credit score my friends have. They're all welcome to be a part of my life for however long they wish.

Re: The RANT of all RANTS

Anonymous — Fri, 29 Apr 2011 15:10:33 GMT

Re: The RANT of all RANTS

JagerBombs89 — Fri, 29 Apr 2011 18:44:27 GMT

@smc733 wrote:

THIS IS INSANITY!

I could try writing a letter addressed to Kenneth Chenault, but that would probably be worthless. It irritates me that with a 757 FICO I can't get a card that people with 20+ baddies and 630 FICO scores are getting.

Correct me if I am wrong but don't you have a relatively short credit history on your own ( and an AU user on an account that has a long history )? If so, maybe this is why you are getting so many road bumps?

Re: The RANT of all RANTS

smc733 — Fri, 29 Apr 2011 19:12:10 GMT

@JagerBombs89 wrote:
@smc733 wrote:

THIS IS INSANITY!

I could try writing a letter addressed to Kenneth Chenault, but that would probably be worthless. It irritates me that with a 757 FICO I can't get a card that people with 20+ baddies and 630 FICO scores are getting.
Correct me if I am wrong but don't you have a relatively short credit history on your own ( and an AU user on an account that has a long history )? If so, maybe this is why you are getting so many road bumps?

That history is nearing 2 years on installments, and is over a year on revolving. We've seen people with only 6 months get approved here.