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Getbig Main Boards => General Topics => Topic started by: NaturalWonder83 on August 27, 2009, 05:22:24 PM

Title: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: NaturalWonder83 on August 27, 2009, 05:22:24 PM
WTF?????

I went grocery shopping today and my card was declined!
my limit is 2000 bucks and i only owed 700 dollars and i made a 900 dollar payment today(not reflected yet)

so i called the credit card and they said my limit was DECREASED!

so they transfer me to this nasty woman in some dept and she said cuz i was late on a store credit card i have and a collections agency was involved and now my limit is dropped to 800 dollars!!!! WTF????

then she asked me all these questions and then told me i was denied an increase

thank god i have a pack of chicken and steak in my freezer

now i have to go look for loose change around my aprtment

i have 7 bucks in my wallet and 18 bucks in savings

damn it damn it
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: MB_722 on August 27, 2009, 05:28:32 PM
shit happens

you'll be alright
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: webcake on August 27, 2009, 05:29:18 PM
That sucks.

I hope you are ok.
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: Signifying Monkey on August 27, 2009, 05:29:41 PM
WTF?????

I went grocery shopping today and my card was declined!
my limit is 2000 bucks and i only owed 700 dollars and i made a 900 dollar payment today(not reflected yet)

so i called the credit card and they said my limit was DECREASED!

so they transfer me to this nasty woman in some dept and she said cuz i was late on a store credit card i have and a collections agency was involved and now my limit is dropped to 800 dollars!!!! WTF????

then she asked me all these questions and then told me i was denied an increase

thank god i have a pack of chicken and steak in my freezer

now i have to go look for loose change around my aprtment

i have 7 bucks in my wallet and 18 bucks in savings

damn it damn it

You're a good american, brother bear
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: NaturalWonder83 on August 27, 2009, 05:33:51 PM
Call the bank hotline, speak to a rep and tell them that you've made the payment and that they should process it immediately or temporarily raise your overdraft limit, cause you have an emergency, Gene. Banks do it all the time.
ok thanks
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: kiwiol on August 27, 2009, 05:35:15 PM
ok thanks

Haha I was going to edit my post and accidentally deleted it. Duh!
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: webcake on August 27, 2009, 05:35:20 PM
kiwi's post dissapeared?!
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: io856 on August 27, 2009, 05:35:32 PM
damn bro...


that doesn't sound too good
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: G o a t b o y on August 27, 2009, 05:36:59 PM
Here's a thought, Bluto...  pay your bills on time and this shit wont happen to you.  ::)
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: NaturalWonder83 on August 27, 2009, 05:38:57 PM
the lady was so nasty to me on the phone
it wa slike i was on trial

cuz i was late on laptop i bought back in 2007 that the company settled on for less than i owed and cuz i was late on a store card that is now payed in full...and cuz of my low income and no savings she refused to raise my limt back up

what if i want to cancel my card and i tell them why cuz they decrease it...will they raise it bak up to keep me?????????????????????????????????
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: Signifying Monkey on August 27, 2009, 05:40:05 PM
this thread is depressing.  Ron should start a special board for depressing threads
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: JimmyJam1974 on August 27, 2009, 05:45:21 PM
A 2nd job perhaps?

I like the depression board idea. Maybe mood boards? Visit the board that matches your mood.
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: ManBearPig... on August 27, 2009, 05:46:01 PM
the lady was so nasty to me on the phone
it wa slike i was on trial

cuz i was late on laptop i bought back in 2007 that the company settled on for less than i owed and cuz i was late on a store card that is now payed in full...and cuz of my low income and no savings she refused to raise my limt back up

what if i want to cancel my card and i tell them why cuz they decrease it...will they raise it bak up to keep me?????????????????????????????????

so you're pissed because the cc company lowered your limit because you can't pay it off?

wow, you're a douche.

great gimmick btw.
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: Epic_Monster on August 27, 2009, 05:46:59 PM
WTF?????

I went grocery shopping today and my card was declined!
my limit is 2000 bucks and i only owed 700 dollars and i made a 900 dollar payment today(not reflected yet)

so i called the credit card and they said my limit was DECREASED!

so they transfer me to this nasty woman in some dept and she said cuz i was late on a store credit card i have and a collections agency was involved and now my limit is dropped to 800 dollars!!!! WTF????

then she asked me all these questions and then told me i was denied an increase

thank god i have a pack of chicken and steak in my freezer

now i have to go look for loose change around my aprtment

i have 7 bucks in my wallet and 18 bucks in savings

damn it damn it
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: NaturalWonder83 on August 27, 2009, 05:48:18 PM
so you're pissed because the cc company lowered your limit because you can't pay it off?

wow, you're a douche.

great gimmick btw.
no genius

ive always paid my credit card ahead of time
ive never missed a payment
i only owed 700 on my main cred card and i paid 900 today so i dont even owe them anything

just cuz of this dumb store credit card for 200 bucks i was late on 3 times and this happens-and that was paid off last week
no warning
nothing
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: JimmyJam1974 on August 27, 2009, 05:50:24 PM
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: Marty Champions on August 27, 2009, 05:50:59 PM
get a house then fix it up, then rent it out, collect money everymonth
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: NaturalWonder83 on August 27, 2009, 05:52:51 PM
oh god this is ludicrous

im going to cook some eggs now for dinner
ughhhhhhhh
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: G o a t b o y on August 27, 2009, 05:57:56 PM
no genius


i only owed 700 on my main cred card and i paid 900 today so i dont even owe them anything


Why did you pay $900 if you only owed $700?   Are you math-challenged?  Are you a philanthropist who chooses corporate america as his charity?  Are you st00pid?

Please enlighten us!  :D
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: NaturalWonder83 on August 27, 2009, 06:04:41 PM

Why did you pay $900 if you only owed $700?   Are you math-challenged?  Are you a philanthropist who chooses corporate america as his charity?  Are you st00pid?

Please enlighten us!  :D
i always like to pay money in advance
im being 100% serious when i say this: doesnt that look good on my credit score that im payng in advance ?
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: Signifying Monkey on August 27, 2009, 06:06:10 PM
I didn't think you could pay more than you owed. Mine won't let me
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: G o a t b o y on August 27, 2009, 06:08:51 PM
i always like to pay money in advance
im being 100% serious when i say this: doesnt that look good on my credit score that im payng in advance ?

No, just makes you look stupid.  Bills are either paid "on time" or they're not.  You don't earn any "extra credit" for paying more than you owe.  If my bill isn't due until September 20th, then that's the day they'll get it.  Until then, the cash will be in my account earning interest for me.
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: NaturalWonder83 on August 27, 2009, 06:09:33 PM
I didn't think you could pay more than you owed. Mine won't let me
whenever i do and then call the number to check my balance  it says i have a credit of how ever extra money

No, just makes you look stupid.  Bills are either paid "on time" or they're not.  You don't earn any "extra credit" for paying more than you owe.  If my bill isn't due until September 20th, then that's the day they'll get it.  Until then, the cash will be in my account earning interest for me.
ok
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: The.Giant on August 27, 2009, 06:17:25 PM



HAHAHAHAHHAHAHAHAHA!
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: Signifying Monkey on August 27, 2009, 06:20:07 PM
get a house then fix it up, then rent it out, collect money everymonth

where's he going to live? In a van by the river?
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: 240 is Back on August 27, 2009, 06:29:45 PM
I like the depression board idea.

i dig that idea, big time.
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: Stavios on August 27, 2009, 06:36:50 PM
Here's a thought, Bluto...  pay your bills on time and this shit wont happen to you.  ::)

 ;D ;D ;D
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: Mr Nobody on August 27, 2009, 06:37:56 PM
WTF?????

I went grocery shopping today and my card was declined!
my limit is 2000 bucks and i only owed 700 dollars and i made a 900 dollar payment today(not reflected yet)

so i called the credit card and they said my limit was DECREASED!

so they transfer me to this nasty woman in some dept and she said cuz i was late on a store credit card i have and a collections agency was involved and now my limit is dropped to 800 dollars!!!! WTF????

then she asked me all these questions and then told me i was denied an increase

thank god i have a pack of chicken and steak in my freezer

now i have to go look for loose change around my aprtment

i have 7 bucks in my wallet and 18 bucks in savings

damn it damn it
I suspect Chick has something to do with this ;)
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: MB_722 on August 27, 2009, 06:51:32 PM
i dig that idea, big time.

LOL serious? how come?
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: Signifying Monkey on August 27, 2009, 06:55:04 PM
LOL serious? how come?

He knows a good idea when he sees one
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: Princess L on August 27, 2009, 07:42:58 PM

what if i want to cancel my card and i tell them why cuz they decrease it...will they raise it bak up to keep me?????????????????????????????????
 No they won't.  Don't do that.  Chances are you won't be able to get another card.

Some good advice here.

http://clarkhoward.com/liveweb/shownotes/category/7/40/
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: NaturalWonder83 on August 27, 2009, 07:53:31 PM
 No they won't.  Don't do that.  Chances are you won't be able to get another card.

Some good advice here.

http://clarkhoward.com/liveweb/shownotes/category/7/40/
thanks
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: Rinc on August 27, 2009, 08:21:40 PM
At this moment in time people like Gene who have below average income but who still have an "o.k." credit rating are suffering with higher interest rates and decreased spending limits due to all the deadbeats currently declaring bankruptcy.
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: dr.chimps on August 27, 2009, 09:10:53 PM
i always like to pay money in advance
im being 100% serious when i say this: doesnt that look good on my credit score that im payng in advance ?
Why? So credit card companies can earn interest off your money? You're doing it wrong.   ::)
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: Tapeworm on August 27, 2009, 09:31:15 PM
Maybe you can find some work 'under the table' Gene.
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: chaos on August 27, 2009, 09:34:39 PM
Maybe you can find some work 'under the table' Gene.
Are you suggesting Gene shouold start doing private sessions with grey haired grandmothers on the side?
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: Fury on August 27, 2009, 09:49:37 PM
You have $18 in your bank account and live in Greenwich? So you're retarded as well as broke.
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: sync pulse on August 28, 2009, 02:22:27 AM
Credit cards are going to be more difficult to obtain now, and minimum payments are nearly doubled so that people will be required to make a dent in the principle.
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: bigdumbbell on August 28, 2009, 03:19:46 AM
You have $18 in your bank account and live in Greenwich? So you're retarded as well as broke.
yes, he's moving to Westport next
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: NaturalWonder83 on August 28, 2009, 03:45:34 AM
You have $18 in your bank account and live in Greenwich? So you're retarded as well as broke.
omg omg i dont live in greenwich...i live by greenwich

Why? So credit card companies can earn interest off your money? You're doing it wrong.   ::)
ok no more of that thank u
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: Tapeworm on August 28, 2009, 03:53:49 AM
Greenwich mean at times?
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: NaturalWonder83 on August 28, 2009, 03:56:21 AM
Greenwich mean at times?
i think theres like 1 tiny bad area if thats what ya asking?
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: dr.chimps on August 28, 2009, 03:58:23 AM
i think theres like 1 tiny bad area if thats what ya asking?
That sound you're hearing was Tape's joke going right over your head.  ;)
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: Tapeworm on August 28, 2009, 04:01:54 AM
That sound you're hearing was Tape's joke going right over your head.  ;)

Good to see ya back in the saddle, Doc.  How was the trip?


Don't worry Gene.  We'll give the thread back when we're done.
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: NaturalWonder83 on August 28, 2009, 04:04:29 AM
That sound you're hearing was Tape's joke going right over your head.  ;)
what did he mean????!!!!!!!!!!!!!!!!!!!!!!!!!!
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: dr.chimps on August 28, 2009, 04:06:32 AM
Good to see ya back in the saddle, Doc.  How was the trip?


Don't worry Gene.  We'll give the thread back when we're done.
England was great for seeing the relatives, but otherwise loud, rude and catastrophically catabolic. I can see why people complain about the Brits. Edinburgh was beautiful, polite and knocked me out. They seemed like the Canadians to the Brit's Americans, if you get me.  
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: Mr Nobody on August 28, 2009, 04:19:19 AM
England was great for seeing the relatives, but otherwise loud, rude and catastrophically catabolic. I can see why people complain about the Brits. Edinburgh was beautiful, polite and knocked me out. They seemed like the Canadians to the Brit's Americans, if you get me.  
Chimps nice new avatar and good point
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: Tapeworm on August 28, 2009, 04:21:55 AM
England was great for seeing the relatives, but otherwise loud, rude and catastrophically catabolic. I can see why people complain about the Brits. Edinburgh was beautiful, polite and knocked me out. They seemed like the Canadians to the Brit's Americans, if you get me.  

Yes, can't say I miss London much but wish I'd spent a little more time up north when I was there.  Time & money...

Many moons ago, a family friend put on a play at the festival about the history of the US entitled "How We Got To Be So Great!"  Gotta love a town that will get on board with that.

I started back up yesterday with legs after my trip.  Kindly recommend you do otherwise.
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: dr.chimps on August 28, 2009, 05:01:35 AM
Yes, can't say I miss London much but wish I'd spent a little more time up north when I was there.  Time & money...

Many moons ago, a family friend put on a play at the festival about the history of the US entitled "How We Got To Be So Great!"  Gotta love a town that will get on board with that.

I started back up yesterday with legs after my trip.  Kindly recommend you do otherwise.

First workout I did. Same weight, same reps as before I left, so that was cool. My bench on the other hand.  :-\   
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: HTexan on August 28, 2009, 06:09:38 AM
write a check?
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: Eyeball Chambers on August 28, 2009, 06:12:03 AM
My credit limit keeps going up ^^^

I could easily pay for getbig with my Capital One card if Ron ever wants to sell.
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: HTexan on August 28, 2009, 06:13:39 AM
My credit limit keeps going up ^^^

I could easily pay for getbig with my Capital One card if Ron ever wants to sell.
yeah they keep wanting me to raise my limit. I tell them to fuck off.
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: Eyeball Chambers on August 28, 2009, 06:15:06 AM
yeah they keep wanting me to raise my limit. I tell them to fuck off.

What do you mean wanting you to?

My limit just goes up automatically every few months?  ???

Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: HTexan on August 28, 2009, 06:18:33 AM
What do you mean wanting you to?

My limit just goes up automatically every few months?  ???


there not suppose to raise it without your approval.
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: Eyeball Chambers on August 28, 2009, 06:19:49 AM
there not suppose to raise it without your approval.

Oh wow, I didn't know.  :o

Every few months I log into my Capital One online account and the limit is higher in increments of $500.
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: Tapeworm on August 28, 2009, 06:20:30 AM
First workout I did. Same weight, same reps as before I left, so that was cool. My bench on the other hand.  :-\   

My bench has always sucked, so I've got no worries there.  Nowhere to go but up.  

I'm switching it up and going conservative/wimpy.  More volume, less intensity, zero ego (& this time I mean it!!).  Warmer weather is on the way so going to have to see what I can do about the Lobster Handles I acquired over in Maine too.
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: lax on August 28, 2009, 06:53:07 AM
banks are the most corrupt of organizations today
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: Vince G, CSN MFT on August 28, 2009, 07:11:39 AM
WTF?????

I went grocery shopping today and my card was declined!
my limit is 2000 bucks and i only owed 700 dollars and i made a 900 dollar payment today(not reflected yet)

so i called the credit card and they said my limit was DECREASED!

so they transfer me to this nasty woman in some dept and she said cuz i was late on a store credit card i have and a collections agency was involved and now my limit is dropped to 800 dollars!!!! WTF????

then she asked me all these questions and then told me i was denied an increase

thank god i have a pack of chicken and steak in my freezer

now i have to go look for loose change around my aprtment

i have 7 bucks in my wallet and 18 bucks in savings

damn it damn it


You should always keep a separate account at a different bank so that way it doesn't happen to you.  That's what I learned the hard way many years ago
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: ag2 on August 28, 2009, 09:58:15 AM
No, just makes you look stupid.  Bills are either paid "on time" or they're not.  You don't earn any "extra credit" for paying more than you owe.  If my bill isn't due until September 20th, then that's the day they'll get it.  Until then, the cash will be in my account earning interest for me.

So with your "great" credit how didyou end up living in a trailer park?   :-\

Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: regmac on August 28, 2009, 02:44:45 PM
Buddy   someone else must have your credit number  and made a purchase.   Call the card now!!!!
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: NaturalWonder83 on August 28, 2009, 07:08:17 PM
Buddy   someone else must have your credit number  and made a purchase.   Call the card now!!!!
i jus saw this post
i am now
thnx
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: regmac on August 28, 2009, 07:20:18 PM
i jus saw this post
i am now
thnx
I work in the  Loss Prevention field.  That's usually the case. Sales people are the biggest credit scammers.   
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: NaturalWonder83 on August 28, 2009, 07:24:24 PM
I work in the  Loss Prevention field.  That's usually the case. Sales people are the biggest credit scammers.   
well i called em
there was no fraud charges on my card :(

they said it wasd due to my late payments w the store charge card and w a best buy laptop from a few years back

the woman was very nice to me tonight though
and i told her about the nasty woman last night and she is gonna report her to the supervisor
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: Sir Bigness on August 28, 2009, 08:43:27 PM
Good ol' USA!!  :-[
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: sync pulse on August 29, 2009, 02:42:45 AM
Greenwich mean at times?

Not as bad the Zulu's, unless you are aligned with the Paris Meridian...

Greenwich Mean at Times is ahead of Central Daylight by seven hours...
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: BayGBM on August 29, 2009, 08:38:24 AM
the lady was so nasty to me on the phone
it wa slike i was on trial

cuz i was late on laptop i bought back in 2007 that the company settled on for less than i owed and cuz i was late on a store card that is now payed in full...and cuz of my low income and no savings she refused to raise my limt back up

what if i want to cancel my card and i tell them why cuz they decrease it...will they raise it bak up to keep me?????????????????????????????????

No.


i always like to pay money in advance
im being 100% serious when i say this: doesnt that look good on my credit score that im payng in advance ?

No.  Paying in advance does not make you look good or otherwise raise your score.  And you are in serious trouble if you are posing questions like that; you need financial literacy--and fast!  Buying groceries with a credit card is not a good sign for someone of your financial profile.  This sort of thing is going to keep happening to you until you do something to improve your employment prospects/raise your income.  Remember what I said to you via PM; the longer you wait the longer you will be in this situation.  :(
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: ToxicAvenger on August 29, 2009, 09:57:56 AM
pay off a credit card in full

then call and ask to cancel it

watch them jump thru hoops for you...  ;D
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: Mr Nobody on August 29, 2009, 02:46:41 PM
pay off a credit card in full

then call and ask to cancel it

watch them jump thru hoops for you...  ;D
Spot on they'll drop your rate in a second those bastards are always working a game
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: ToxicAvenger on August 29, 2009, 02:50:04 PM
Spot on they'll drop your rate in a second those bastards are always working a game
i cancalled my capital 1 cause they out source...

shoulda seen the indian guy on the other end offer me all kindsa shit
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: Signifying Monkey on August 29, 2009, 02:51:51 PM
i cancalled my capital 1 cause they out source...

shoulda seen the indian guy on the other end offer me all kindsa shit

what's wrong about out sourcing?
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: ToxicAvenger on August 29, 2009, 06:25:36 PM
what's wrong about out sourcing?

ultimately  if companies keep doing the cheaper elsewhere is better thing...

the economy here in the US will suffer...

well...it already is...

Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: Signifying Monkey on August 29, 2009, 06:30:41 PM
ultimately  if companies keep doing the cheaper elsewhere is better thing...

the economy here in the US will suffer...

well...it already is...



I f they can do it cheaper, why shouldn't they?

We should find something we can do more efficiently than them
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: Princess L on August 29, 2009, 09:11:43 PM
pay off a credit card in full

then call and ask to cancel it

watch them jump thru hoops for you...  ;D

Spot on they'll drop your rate in a second those bastards are always working a game

Chances are that strategy will backfire on him.  Don't do it Gene.
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: Alex23 on August 29, 2009, 09:21:48 PM
Gene, do you have a paypal account? I hate to hear that you're in trouble >:(
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: regmac on August 31, 2009, 05:38:51 PM
well i called em
there was no fraud charges on my card :(

they said it wasd due to my late payments w the store charge card and w a best buy laptop from a few years back

the woman was very nice to me tonight though
and i told her about the nasty woman last night and she is gonna report her to the supervisor
Glad it came out positive. :)
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: NaturalWonder83 on September 02, 2009, 07:20:45 PM
No.


No.  Paying in advance does not make you look good or otherwise raise your score.  And you are in serious trouble if you are posing questions like that; you need financial literacy--and fast!  Buying groceries with a credit card is not a good sign for someone of your financial profile.  This sort of thing is going to keep happening to you until you do something to improve your employment prospects/raise your income.  Remember what I said to you via PM; the longer you wait the longer you will be in this situation.  :(
ok im confused now...why dont i buy grocery w my card? i use my card for everything...pizza, supplements, gas, etc...im serious...why is this a bad idea?

pay off a credit card in full

then call and ask to cancel it

watch them jump thru hoops for you...  ;D
hmmmmm

i cancalled my capital 1 cause they out source...

shoulda seen the indian guy on the other end offer me all kindsa shit
what does outsource mean?

Chances are that strategy will backfire on him.  Don't do it Gene.
ok

Gene, do you have a paypal account? I hate to hear that you're in trouble >:(
no i dont alex...thank u for the thoughts

Glad it came out positive. :)
somewhat lol
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: HTexan on September 03, 2009, 04:35:58 PM
paypal sucks. They only cover up about 150.00? or so if they even do a refund. Some punk basically stole my NX Nitrous kit. >:(
Title: Re: OMG WTF???? THE BANK DECREASED MY CREDIT LIMIT????
Post by: sync pulse on September 20, 2009, 10:22:20 AM
ok im confused now...why dont i buy grocery w my card? i use my card for everything...pizza, supplements, gas, etc...im serious...why is this a bad idea?



Because by using your credit card for small trivial purchases, it makes it easy to spend more than your income.  It is small leaks that sink financial ships so to speak...Also, if you get into a position of always having a balance due, interest charges work against you.  Also it promotes bad financial habits like not using your kitchen at home for most of your meals.
Of course to be honest, I did this very thing for over twenty years and my net worth is much poorer for it.

what does outsource mean?
It means sending jobs overseas to third world countries instead of hiring United States citizens in the United States...When you call the Capitalone 800 number, someone in India answers the phone instead of say a wheelchair bound guy in this country for whom that job would be a very good match... and a way to support himself.