I am so mad! I applied and recieved a Sam's car in March( I wanted the retail TL) I put a couple hundered on it and have paid twice the min each mo. two weeks ago I called and requested an Cl increase, only 250 just to see if I would get it. Denied! Okay no problem, I figured my scors are still not that great and I have only had it a few mo. a week later I get a letter detailing why they have denied the CL increase. A week later they send me a letter they have closed my account!!!! for the same reasons. I am pissed, because they pull EQ and my score has gone up and all but one bad TL are gone now. the thing that kills me is that I closed a card w/ First savings CC and that is the only other CC reporting to EQ so now I will have 0% credit to limits avail! sorry this is so long I just wanted to vent.
Don't just accept that. Call and ask for a super and tell her the same thing. If that doesn't work, go to Planet Feedback and send a letter.
Ouch, that's a tough break. If I may make a suggestion: Get a secured card or one of those high-risk cards. The second biggest credit mistake I made was not getting one of those cards once I knew I was out of the woods financially, and could start looking towards the future. If I'd done that, I'd be a couple of years further along than I am now. I refused to get one because the fee structures are all awful, but in retrospect it would have been worth it.
I did call and talked to two differant "supervisors" but I was told " sorry the system will not allow us to reopen the account. I did get the last guy to change the note to "closed at customer request" but I am still SOL on the good TL
I do have a high interest card (high- risk card) and I closed it before I found this site! I called them a couple of weeks ago and reopened the account but it still shows closed, they gave me a CL increase up to 350 whoo hoo! I am going to put it in the sock draw and keep it for the age and avail credit. I just wish I knew the others were counting on that so much. I just assumed that if your honored the aggrement with Household bank they would do the same. like I said I have never been late and I paid double the min payment just to leave a balance. Oh well live and learn.
thanks I will try this evening and I will keep you all posted. should I direct my PFB to Sam's or to Household bank?
Re: I hate Monogram bank sorry I was putting the wrong info on the posting when I use PFB should I address my compalint to Monogram or Sam's?
