I had a FDS or macy's visa for about 3 years..... never late once..... used it to get myself out of some trouble and racked up 7800 on it..... it has a 8000 limit..... well i just got a letter a week ago telling me sorry you cant have your card anymore.... we are shutting it down..... i still owe about 7400 .....they told me that my EX report score was too low.... i have no negs and was just approved for a Chase 5000 platinum with 9.9 on the same report? Crazy...... they told me i was a high risk and the available credit of 600 dollars would be too much for them to trust me with..... and I STILL OWE THESE Anallickers 7400? my oh my.......talking about not reading between the lines...... if they looked at the report they would of seen no negs and a healthy history and a high limit of 23k. OH well...... cant wait to BT them and then call them up and tell them to kiss my ass........ EX 690 TU 722 ELOAN 712 EQsuckmyleftnut 620
Tell them, if you want to..."SCORES ARE MADE TO BE LOW SO YOU CAN RIP-OFF CUSTOMERS...NOT TO BENEFIT THE CUSTOMER"
HOW CAN SOMEBODY LIKE ME HAVE A PERFECT PAYMENT HISTORY SINCE 1978 AND NOT GET ABOVE F.I.C.O. 711??? Almost nobody gets 800!!! If this was school and you were a teacher and your class had 25 students and you had 0 A's...2 B's...10 C's...8 D's...and 5 F's...SOMEBODY'S GOING TO ASK QUESTIONS!!!!!
LS- Federated is risk-averse on the Visa accounts. When I opened my Macy's Visa a few years ago, the new accounts manager told me her 'red flags' were: - New delq. - Ratios going over 50% bal to limit - Significant (+100%) more debt load added - Cash advance activity You may want to call them and ask "w-t-f ... I was just moving around some funds and will pay it down this month ... unless you want to lose me as a customer" If you have a premier card - that means you spen at least $1k/year at Macy's. If it's a presidents club, you're spending $2500/year there. In either case- they can't afford to lose you. Target, Kohls', May Company ... everyone else wants you. Remind them of it. Good luck- mj
1*They are going to trash your credit for what you pay them up to 35% to use. 2*Pay for it but don't use it or we will trash your credit.
Doesn't sound like a problem to me ... Why in the world would you want to use this card for cash advances? Why would you want to use ANY card for cash advances? Get an unsecured line of credit with your bank for that kind of cash flow need. -mj
