Your most hateful creditor?

[Anonymous]

My only beef is with Comenity everyone else so far has treated me well.

[Anonymous]

Glad to see people enjoying the thread. Along with a good laugh I thought it would be interesting to see just who people love/hate and why, and guessed a group story session might prove cathartic to more than a few of us.That and my adhd medicine makes me experience an irresistible urge to post walls of text

One glance around the credit card & credit repair subforum shows you people have lots of grievances, but there's something to be said for a single continuous post vs hundreds of disparate threads.

It's easy to get caught up in the highs & lows of chasing approvals, limits, perks & rewards and sometimes it helps to know its not just you getting the shaft.

[Anonymous]

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@Anonymous wrote:

So what is interesting is that people ding Barclays not because of what they actually did (to that person) but because this group had (IMO) massively overstated the certainity of "CLD for no reason" type of thing and people decided that they didn't need to deal with the stress.    Whereas in the real world lots of people have Barclays cards and don't realize the terrible danger they are in!

The dangers (or successes) of group think....

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As usual lol!!

[BurgeoningHope]

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@Anonymous wrote:

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@Grabiela wrote:

I hate chase. They approved me for a card and on the next week they close it.

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What made them close it after a week?

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There was a spate of those a few months ago. I wasn't a Chase cardholder at the time, but I've read a bit about it. There's a lot on Reddit and on ... I want to say "Credit Boards"? It happened to a lot of people, including people who'd been with Chase for years, people with 6-figure bank balances and 800+ credit scores - the gamut. It's enough that I'm a little afraid to do anything where I'd rely on my Chase VIsa with no backup, so autopays come out of other cards.

Does anyone know if someone figured out what was going on, what was triggering the AAs?

[morgacj2004]

Chase And AX. AX for CLD during last recession causing me to close 4 accounts I had with them. CHASE for never giving me a CLI !

[xenon3030]

Synchrony closed my Amazon store card without prior warning. Synchrony Walmart also did not work at the Walmart store (required PIN) and I could not use the signup bonus.

No success to get a CC approval from Citi, tried 3-4 different cards at different times, everytime various reasons. I don't know why but I may try later in the next 2-3 years possibly when having 800+ with zero inquiries in the past 1-2 years to make sure it would be accepted...

[Anonymous]

So far I've been treated well from most of the issuers. I guess if I'd had to choose it would be Chase. Behind Chase it would be Discover for not giving me any CLI the past few years and Citi for the samething and being unable to product change the Forward card to anything else.

Chase has been the worse because when they acquired Washington Mutual, I had a secured card of $600 with WaMu and my year was almost up but when Chase bought WaMu they decided to close my secured card. I didn't apply for another credit card until a year later after Chase closed that card. Its still listed on my credit report but it'll probably fall off in like six months lol

[Anonymous]

My best would easily be Discover, great customer service and great CLI's. The graduated me right on time and I got the check very quickly. The CLI's have been good to the point where I don't even want to try for anymore since I don't want other creditors to be spooked by my low AAoA and too high limits.

Things that have ticked me off? BofA gave me a crummy SL last month, but understandable. Chase is HP for CLI, but again, understandable (They did auto-CLI me earlier this year.)

My worst would probably be Capital One. I applied for Journey before I got my Disco secured and they wouldn't budge from their denial. I can't wait until the triple pull is off my reports next year. (I was naive at the time, I spreed Cap1, BofA, and Chase with empty reports before going to Disco secured. It makes sense that BofA and Chase declined, but I've seen plenty of no-history Cap1 Journey approvals, so I'm still annoyed with them.)

[HeavenOhio]

I can't say that anyone's been "hateful" as that's pretty extreme. But Synchrony and Wells Fargo were far and away the worst of my lenders, which is why those accounts are now closed. Both of those companies could take from several days to a couple of weeks to restore my available credit. I'd never experienced that before. My other lenders restore it within a day or so (not counting weekend payments, which tend to clean up by Monday evening or Tuesday morning). Or they restore it immediately.

To Synchrony's credit, they could tell me how to avoid the holds and have my available credit restored promptly. Wells Fargo told me that was "proprietary" information. The only thing they could tell me was that I woudn't be subject to having to wait if I paid in cash at a branch.

[thomasjm99]

It's easily Citibank...  And not even due to a "credit" product with them. 

I had Citibank as my checking/savings account holder for 5-6 years at the time (incident below was in 2010) when the following happens:

I decide to ditch DirecTV for FiOS. DirecTV was simply overpriced and the only reason I kept them was for the NFL Sunday Ticket (I'm a Miami Dolphins fan living in California, go figure)... DirecTV won't do anything for me to reduce my monthly bill so whatever...  I give them the boot, send them back their HD DVRs and so on. One morning I wake up to an alert that DirecTV charged me $897 (to my Citibank Debit Card)...  Apparently since I had them on Auto-Pay, they have the right to just charge me. But $897? Something was not right at all..  So I call DirecTV and they are not sure why it happened, but advise me to call Citibank and report the charge as fraudlent/not authorized. 

So I do that....  Citibank promptly returns my $ and I'm a happy camper...  Until something like 6 weeks later when my checking account is again charged for $897... I call back Citibank and basically say **bleep**? They tell the results of the investigatin of the original charge were that is was indeed valid and so they sent DirecTV my money. This time the $897 overdrafted my account, and now the fees are starting to pile up. I can't understand why DirecTV and Citibank are doing this. I called DirecTV customer service, verify my identity and such and the first thing the CSR tells me is: "Mr. Thomas, we see that you have an $897 CREDIT on your account, would you like to start service today?"  I was in complete SHOCK! How could a charge to my debit card be considered valid by a merchant when I CLEARLY OWED THEM $0!!  

So DirecTV ends up cutting me a check, which I had to pay $29 to have expedited to me (standard processing was 2 weeks) and Citibank tells me they stand by their decision that the charge was valid, and I racked up about 4 additional overdraft fees from them before getting my other auto-pays redirected somewhere else. To this day, I still "owe" Citibank for the overdraft fees and have a collection on my CR that I refuse to pay (I did send back the original $897 once I got a check from DirecTV) but on principal I will not pay for the fees Citibank charged me. My ChexSystems report just became free of this and my CRs will have the collection until mid-2018. I'm working every single month to get it removed, but if those efforts continue to fail I just have to let it age unfortunately. 

So I will never do business with DirecTV again...  I am almost ready to forgive Citibank but it's really hard to...