@Brian_Earl_Spilner wrote:
Best Buy MasterCard. When I signed up it was HSBC. Then it was bought by Capital One before going to Citi. Limit was stuck for years during that process. Final straw was when I called the EO to get a CLI and they told me they didn't care about my years of perfect history because it wasn't with them. Asked them if they didn't care about me closing the card and losing me not only as a client, but as a brand ambassador since I worked at Best Buy and was supposed to be pushing their product. The lady said they didn't care, that we were all just data in a computer. So I canceled my card and haven't done business with Citi since.
Yeah, Best Buy MC easily my worst card. I also got it from HSBC when they hawked it as a subprime card. I got it less than a year post BK, so the $500 CL with $59 annual fee was something I'd put up with. When Capital One had it I asked for a CLI and they doubled it to $1k, but I should have asked them to remove the AF, they might have done it. With Citi they approved a CLI to $2k, but with a HP. But when the AF approached I called the main number and asked for AF to be removed. Answer was: "If a card has an annual fee it will always have a AF".
I decided to put up with for another year, but for my spend at Best Buy that AF ate up well over half my rewards. By the time the AF rolled around again I had found MyFico, so I thought I'd be cleaver and use the BackDoor number for the executive office. I tell the lady I want the AF removed, her reply was "How did you get this number!". I lied and said a rep had transferred me. She looks up my account and repeats what must be in the Citi script: "If a card has an AF it will always have an AF". I tell her "Well, I'm no longer willing to pay the AF". She gets very rude: "Are you hard of hearing? I told you if a card has an AF it will . . " I cut her off. "My hearing is just fine. This card will no longer have have an AF - I want it closed effective immediately". And yeah, I have no interest in doing business with Citi again.
Second worst card was my own fault, Target Red Card. I very rarely shop at Target, stores are out of the way for me and they just seem like a Walmart wannabe, and I'm fine with Walmart. But I was in a store and the cashier pushed me to app for the card, and the lady waiting behind me encouraged me to apply, saying it was a great card. So I app'd, and approved for $1500 CL. This about 1 1/2 years post BK, so I thought great! But I didn't use it again for over 9 months and when I logged in I see the CL had been reduced to $200. I call and rep says because of lack of use, tells me to use it and the CL will be restored. So for 3 months I made small online purchases and call and request a CLI. "Not eligible for a CLI" the rep tells me, so I tell her "You know, for a $200 CL this just isn't worth, just close the card". The rep warns me that if I close the card I can never be approved for a Target card again. "Not a problem," I assure her. I'm not impressed with Canadian banks either. TD issues Target card, TD is Toronto Dominion, my mortgage is with BMO Harris and they're unpleasant to work with as well, BMO is Bank of Montreal.
They are so far behind my other CLs that I honestly have stopped caring about them...
Rule of 3 baby
