Well, I am not home yet, but what goodies did you all get today? I just cannot wait, especially since my dumb self forgot that yesterday was a holiday. I checked the friggin' box 3 times before I realized it!!! LOL!!
the mail person is still putting the mail in our boxes. I have to wait till after lunch to check : ( BUT -- I did go to the post office today to mail some items out! Wish me luck !
I got updated credit reports from TU, EX, and EQ. TU is a joke. They "update" and leave the same old dates and b.s. on there. I got my AMEX membership banking statement. I got my denial letter for Gateway computer funding *pfft* I got a Dell catalog Cosmopolitan 4 issues of Writer's Digest National Geographic Traveler US News and World Report a large package from Barnes and Noble.com an autographed photo of a shirtless Hugh Grant an autographed Ted Williams baseball $10 gift certificate from Barnes and Noble Barry Manilow concert tickets a card from a friend a letter from another friend a half.com order a pre approved Marin bank "gold" card offer. ROFLMAO! And a partridge in a pear tree.....
Speaking of the TU "updated/new information below" B.S. has anyone figured out a way to beat them on this one? I have an item that they have done this to 4 times another account done 3 times to. No information changed at all but it states there is "new information below"
FIRST USA REJECTION LETTER FOR INTEREST RATE UNDER 13.99%...like 9.99% or less...THEY WILL LET ME KNOW IF SOMETHING COME UP. Already closed...waiting for credit balance refund. MBNA AMERICA REJECTION LETTER for "GO-TO" interest rate under 11.99% and a "PRE-APPROVED" increase in the credit limit. I also asked for a DIRECT from web site E-MAIL...answer...they are not sure of the SECURITY... HUUUHHHHH????
finally received the Target Visa card in the mail (I chose silver) various magazines an actual hand-written check from TransUnion for $8.50 (said that I didn't need to pay for the report or something) a $4 refund check from gateway a package from target.com and junk mail
Got my TU report (no changes) AND no credit score -- the dufusses!!! had to call 'em up and preach their funeral! Got a letter saying: "we don't investigate inquiries...yadda, yadda... Invoice for 10 pounds of shell whole "fancy" pecans which I ordered from a wholesale orchard and had shipped to my Mom so she can start her holiday baking....the yummies are coming! Ohboy-ohboy-ohboy-ohboy!!! coupons local flyers
* Statement from Citi Checking Plus. I had paid off the balance and they did not post it. Now they say it is past due. I have credit union bank statement that Citi cashed the checked a month and a half ago. I'm getting tired of having to straighten out errors! * New copy of TU report. Score 739 (down from 746??) Noticed many accounts with outdated balances, in particular Citi Cards and ATT Universal(citi affiliate). * Letter from TU asking for my drivers license and ss card. I had written them last week about my husband's name (not his individual accounts) being on my report, on the last page and under his name is MY ssn#. This info was NOT on the new copy of the report I received today with my score so I am thinking I don't have to do anything now. * Invitation for Home Equity LOC. I've opted-out every way a person possibly can that I know of and I still get this stuff!!!! Must call or write to find out just where they are getting my name and address. * Juniper Statement.
1. Neiman Marcus credit card 2. Target Visa Card/Pin # 3. Lord & Taylor coupons(yeah right) 4. Metrocall annual pager invoice($12 per year/unlimited....will have it F-O-R-E-V-E-R). 5. Credit Union statement Sister Girl
Bank statement Target Visa (silver -- very pretty) Citi Plat Select Citi Gold Aadvantage Americredit car loan statement Providian MC statement
Re:George about MBNA George, I was reading your reponse about MBNA rejecting your request for a lower goto rate on their card,by the why is it the quantum credit card from them?The reason why i ask is because i just upgraded to their quantum one today,and they offered me a 2.9% BT deal for the first 4 billing cycles,and a goto rate of 13.99% after my promo runs out.I do think that after having their card for a year or 2 with no lates,etc then the rate can be talked down some with them.You would have a better chance of getting it lowered by using their card monthly,and occasionally revolve a small balance at one of their teaser rates that they have to offer.Have you been offered any additional teasers yet?Most people should qualify for them reguardless of card status.
Re: Re:George about MBNA QUANTUM 1.70% BT TILL 12/31/01 "GO-TO" 11.99% No limit increase in 6 years. They were "PROUD" they have NO from web site E-MAIL I guess...
Re: Re:George about MBNA 1. New TU report showing inquiry I disputed electronically had been removed. This was surprising. On Saturday, I got a letter from TU saying I had to dispute the inquiry with the creditor. 2. Two-tiered Cap One Platinum offer. 0.00 APR until April 2002, then 4.9 APR until October 2002, then 9.9 or 15.9 fixed. Sounds like a good deal unless I don't qualify for the 9.9. 3. AT&T Universal Card offer. 0.0 APR until Aug. 2002, with a go-to rate of 12.49 variable. (Prime + 5.99.) Offer includes $100 phone card and no BT fee. 0.0 APR good on BTs amount until August. 4. Bank One Platinum offer. 2.9 APR until October 2002, then 16.74 APR variable. (Prime = 9.9 percent.) 5. Citibank Platinum Select offer. Fee-less BT, with 0.0 APR on transfered amount until August 2002. With the exception of the 0.0 intro rates, all the go-to rates on these offers (except 9.9 Cap One) are higher than the rates I have on my current cards. Experian = 731 TU = 745 Equifax = 741
Re: Re:George about MBNA I got my cards!!!!! AMEX CHASE BOA TARGET GM CARD and my Juniper and First USA denial letters, ha ha ha ! First premier bill ugh! Cypri
