Hi I applied for this card online and got the denial letter in the mail, my husband then applied listing me as an authorized user online, last Thursday, and yesterday (Sunday) the people from the security called to verify some information. When I told them that he was on a 2-week trucking run and if there was anything I could help him with (I beleive my husband listed me as an authorized user), the man asked if I could verify his last 4 of his s.s. number, our address, and phone, his mother's maiden name, and he verified my name and relationship (wife) etc. He ended the call by saying that he would go ahead and activate the account. When I called the 800 number late last night--trying to get the automated message that he was approved and for how much, I entered his SS number and then the call was on hold, being forwarded to a CSR, so I just hung up. I figured they wouldn't tell me his credit line anyway. What do you guys think of this, does this mean he should be getting an Amazon.com platinum visa card in the mail soon? His EQ was pulled by first usa, although this card is from Bank one, his score was around 630 with absolutely no negatives, lates or public records, short credit history of under 4 years, has a discover card, and a fleet platinum card for over a year now. The only thing bringing his score down is that he has 10-12 credit card inquiries on his record all done recently within the past 6 weeks. Any advice?
he is lucky if he is denied. dont do business with first usa/bank one. But If they called to verify info is bcs he was approved. Have u already tried Amex(The credit cards not the charge)? also i suggest u Target visa or household GM or Gold. good luck!
im just curious, i have a bank one disney visa, that was taken over by FUSA and never had a problem with em. whats ur gripe against em so i knows what to look out for ??
The problem with First USA/Bank One is ethics. I filed Chap. 7 BK, included them properly, and my account balance with them was discharged by the court, with no problems or delays. A few months later, First USA started to report the account to all three CRAs as "Charged Off", "Sold to another lender", and "Past Due Balance of $29,010". They refused to confirm the account was discharged in bankruptcy. Well, if an account is charged off, there is no balance due. If no balance is due, how can they sell the account to another lender, etc, etc, etc. Plus, after Chap. 7 discharge, listing a balance due or even the amount of my prior balance is not permitted. I disputed, and they just confirmed that they were in the right. They do this to almost everyone that has to file a Chap. 7, and they flagrantly violate the law. Now, if they are willing to deliberately tromp all over my legal rights, what else will their questionable ethics make them do? Perhaps start reporting fake ??>?????? with current cardholder? Who knows? A bank is supposed to have ethics and a reputation of the highest nature. First USA/Bank One is openly dishonest and commits criminal acts. Hmmm....yeah, that is the credit card relationship everyone should want!?! BKinNE
His EQ was pulled by first usa, although this card is from Bank one, ************************** Are one and the same.
