@CreditDrama85 wrote:
LOL, aww...
Smiling here... yeah, at least I can grr AND laugh about it. Stupid preapproval thingy.
As for the history with them - no lates, BUT 2 years ago (I looked at my statements) I had an OL. In Feb they told me that my history with them was fantastic but I wasn't using the card enough. So I used it and stupid me, I thought I'd had the AF waived on it so end of March an AF shows up - hefty one of $59 - putting me over my limit. This after months of putting small charge on it now and again, then PIF.
So I called the backdoor number and said I just PIF the card so please waive AF or close. No waiving so it's being closed.
I know - stupid to go that high on the card, but with 500 CL, it didn't take much. What's really weird is they were reporting it inactive, even though I had been putting through small charges on it. That's why I decided to to use the heck out of it and see if they finally changed their tune. Nope. Instead, I got whacked with a $59 AF... I don't carry a balance, so I haven't been paying interest. Maybe they wanted to get something out of me...
Between no CLI's, the AF and the preapproval link not showing anything, I can't help but think they just don't like my money. tsk. Still, I was kind of hopeful that I'd find another (better) product with them and then be able to combine accounts. I really wanted to keep this account age, but move into something more in line with my current profile. NONE of my current cards have AF's, so honestly, I was blown away when this one happened... how quickly we forget, eh?
Starting Score: EQ 622, TU 676, EX 643 (mtg lender pulls) 2/1/12
Current Score: EQ 743, TU 775 (6/18 MyFico), EX 722 (per CITI approval letter 6/29/12 pull)
Goal Score: New goal: 760+ on all 3Take the FICO Fitness Challenge