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My Creditor is Helping Me Thread. #TeamMyFICO

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Frequent Contributor

Re: My Creditor is Helping Me Thread. #TeamMyFICO

The CU I'm a member of, LMCU is giving auto CLIs to every member with a credit card in current status that has at least a 1k or higher limit. They are also offering to skip a payment for any loan or CC. 


FICO 8 5/20 EX 730 EQ 721 TU 734
Message 21 of 270
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Re: My Creditor is Helping Me Thread. #TeamMyFICO

Cap 1. Waved my late payment fee and refunded interest for 1 month 

 

Spectrum (internet and cable) Compensated my bill for 2 months. Will be charged normal rate in June 

 

Metro PCs (T-Mobile) Conpensated my bill for 2 for months, will be charged normal rate in June(Even after I already had a 60$ bill credit) 

 

ALLy delayed my car note I'm assuming at the end of the loan so I will accure interest

Message 22 of 270
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Community Leader
Super Contributor

Re: My Creditor is Helping Me Thread. #TeamMyFICO

***UPDATE***

 

Waited on hold for 2:39:46. Chase auto has assistance for those affected by Coronavirus, but it's a different department that can't be called directly. They transferred me and it was picked up almost immediately. Simply asked if I was affected then explained the program.

 

3 month payment deferment with 0 intrest.

 

He read a disclosure and I agreed. Worth the 3 hour wait.







Message 23 of 270
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New Member

Re: My Creditor is Helping Me Thread. #TeamMyFICO

PenFed deferred my auto note for a month.  The CSR was very nice and said they will see how things go then reevaluate and may do another month of deferrments if necessary.  Interest will still accrue.

Message 24 of 270
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Valued Contributor

Re: My Creditor is Helping Me Thread. #TeamMyFICO

While we plan to trade in DWs car in 30-60 days Ally also allowed us 120 days deferred payment.  DW is out of work with no income.  While we will make it through I'd rather pay the finance charges and keep as much money as possible in our accounts as everything is very uncertain at the moment.  Hopefully BBT will offer something similar for my car loan.

This thread has been fantastic and I hope to read more wonderful stories.

PERSONAL; Amex | AOD FCU | BBVA | BECU | Capital 1 | Chase | Citi | Discover | NFCU | Synchrony | US Bank
BUSINESS; Amex | Citi
F8 Current EQ•776 | TU•774 | EX•762
TOTAL PERSONAL CL > $265k
Message 25 of 270
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Super Contributor

Re: My Creditor is Helping Me Thread. #TeamMyFICO


@Ficoproblems247 wrote:

The CU I'm a member of, LMCU is giving auto CLIs to every member with a credit card in current status that has at least a 1k or higher limit. They are also offering to skip a payment for any loan or CC. 


Holy cow. That is amazing.


Total revolving limits 646000 (570000 reporting) FICO 8 EQ 712 TU 739 EX 727

Message 26 of 270
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Mega Contributor

Re: My Creditor is Helping Me Thread. #TeamMyFICO


@SouthJamaica wrote:

@Ficoproblems247 wrote:

The CU I'm a member of, LMCU is giving auto CLIs to every member with a credit card in current status that has at least a 1k or higher limit. They are also offering to skip a payment for any loan or CC. 


Holy cow. That is amazing.


I am also Amazed to read that!

Message 27 of 270
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Community Leader
Super Contributor

Re: My Creditor is Helping Me Thread. #TeamMyFICO


@Ficoproblems247 wrote:

The CU I'm a member of, LMCU is giving auto CLIs to every member with a credit card in current status that has at least a 1k or higher limit. They are also offering to skip a payment for any loan or CC. 


I don't understand why more lenders aren't doing this. Yeah, it raises their risk, but it can pay off in both loyalty and intrest in the long term.







Message 28 of 270
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Super Contributor

Re: My Creditor is Helping Me Thread. #TeamMyFICO


Chartway FCU wrote:

We are committed to doing everything we can to meet your financial needs. We’re here for you with the solutions, support, and advice you need to manage your accounts. Our emergency assistance program can help you manage through the financial challenges you may face.

Chartway’s Emergency Financial Assistance Program:

  • Request to skip your loan or credit card payment(s)*
  • Request that we increase your line of credit
  • In addition, we are supporting our members by waiving Chartway ATM service fees.

*If your skip payment is approved, and you have an automatic transfer set up from another financial institution to make your loan payment, you will need to contact your financial institution and cancel the transaction for your payment. Interest will continue to accrue and payment(s) will be added to the end of the loan term, which may cause a reduction to GAP or Warranty Coverage. Other restrictions may apply. Speak to a Member Specialist for more information.


https://www.chartway.com/post/prepared_to_serve_you.html

Message 29 of 270
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Mega Contributor

Re: My Creditor is Helping Me Thread. #TeamMyFICO

Thanks @AllZero Smiley Happy

Message 30 of 270
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