@Creditaddict wrote:Well that seemed to transfer me back to same department but she talked to me a little more knowledgable up until she said you have called twice already?
YES, because so far I have not talked to the credit department!
she said we are the credit department
I said if you can't review my credit report, you are not the credit department.
she said I can review you credit report
I said okay, well the others could not.
she said we can review it, we just can't discuss it, that's not something we choose, the credit agencies don't allow us.
I said that's not true, it's a bank policy and that is fine but the credit agencies don't depict anything you do.
well we can't provide you specifics off your credit report.
that is fine as I have it already.
Okay, so the delinquencies listed on your report are paid and you would like the application reconsidered correct?
YES
Okay, I submitted that, you can call us back Wed. for an update.
EXHAUSTING... IF they do approve me I'm going to MAX it and pay the minimum until the 0% runs out and then PIF and SD... UGH!
"EXHAUSTING... IF they do approve me I'm going to MAX it and pay the minimum until the 0% runs out and then PIF and SD... UGH!" That is funny.. 
@yesi-ts-me wrote:
@Creditaddict wrote:Well that seemed to transfer me back to same department but she talked to me a little more knowledgable up until she said you have called twice already?
YES, because so far I have not talked to the credit department!
she said we are the credit department
I said if you can't review my credit report, you are not the credit department.
she said I can review you credit report
I said okay, well the others could not.
she said we can review it, we just can't discuss it, that's not something we choose, the credit agencies don't allow us.
I said that's not true, it's a bank policy and that is fine but the credit agencies don't depict anything you do.
well we can't provide you specifics off your credit report.
that is fine as I have it already.
Okay, so the delinquencies listed on your report are paid and you would like the application reconsidered correct?
YES
Okay, I submitted that, you can call us back Wed. for an update.
EXHAUSTING... IF they do approve me I'm going to MAX it and pay the minimum until the 0% runs out and then PIF and SD... UGH!
"EXHAUSTING... IF they do approve me I'm going to MAX it and pay the minimum until the 0% runs out and then PIF and SD... UGH!" That is funny..
HEHE, I wouldn't but it felt good saying it! 
@Creditaddict wrote:
My YouTube channel is around the corner!!
What shall I cover first
My vote is Comenity.
I love it when they go through a billion verifications (after you already do it on the keypad, before speaking to a human, who puts you through the same verification once again) and they still can't discuss anything with you because of some made up law they can't cite. I wonder if they even submitted it for another review, unless negative information within 24 hours meant your phone call
Curious if you got a secured card with the existing badies. Were they open?
This thread is a year old, guys.