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Discussion in 'Credit Talk' started by deuce_92, Sep 4, 2003.
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they won't report credit lines stingy as hell on cl's and most of the time their apr blows why keep it.....
I've written to them twice via PFB, haven't heard a thing. Some have had good success with PFB, I guess we're not amongst them.
MANY have had sucess with CAPITAL ONE (PFB)...me included
BUT THE CREDIT LIMIT IS A NO GO...
I used PFB in early July. Got a telephone call from DMB to straighten out a problem and with Cap1, got an increase a month later with no clue about the connection.
I had been asking Cap1 for an increase for my $300 unsecured card (from an offer they sent me after BK) and had been told nothing could happen until Sep, one year anniversary on the card.
Wrote a note on PFB asking how they can send me a zillion offers for another "platinum" card, with an additional fee, but not consider raising my CL before one year had passed.
No calls, no letters, just found I had a $1200 CL in August.
I suspect they're related, but can't say for sure.
I wrote a letter to Cap 1 on PFB requesting a lower APR and I gave up when I got no response. 2 months later Mr. Cooke called my job - yes, my job. They put him in my voice mail and I called him back the next day. He was very nice. He lowered my APR to 14.9% and unsecured my card crediting my deposit back to me. He also waived my annual fee.
So don't give up on him. He is just one man trying to do the job of 10! If he has your correct numbers, he will call you, eventually
I also asked him about showing the CL on our reports. He said they don't do it because displaying the high limit and the balance due shows better utilization of our credit.
have you seen the matrix reloaded? He is like agent smith, they just have many copies of him running. They need to make more to keep up.
Oh, Sam, now you have done it! I haven't seen The Matrix Reloaded yet. Is Hugo Weaving still playing Agent Smith?
Re: Re: PlanetFeedback
And keeps those pesky competitors from stealing you from us!
Re: Re: Re: PlanetFeedback
I OWE $2,512
HIGH BALANCE IS $5,025
"REAL" CREDIT LIMIT IS $20,000
What would it "LOOK LIKE" to a potential creditor???
Am I about 10% or am I about 50%
"IF" a credit card company "REALLY" wanted your business...WOULDN'T THEY JUST GO FOR IT REGARDLESS OF ANY HIGH BALANCE vs CREDIT LIMIT???
I would think that a consumer that looked like this would be RIPE FOR PICKIN'...
HIGH BALANCE $15,000
CREDIT LIMIT $16,000
They know how to use credit...BUT they don't abuse it
UNLIKE ONE THAT HAD...
HIGH BALANCE $400
CREDIT LIMIT $20,000
THEY NEVER USE THE CARD...THE POTENTIAL NEW COMPANY WON'T MAKE ANY MONEY!!!Except their "CUT" of sales
Re: Re: Re: PlanetFeedback
What I don't get about this numbers game the CC companies play with high balances and low balances and rate hikes and credit limits is, why establish a credit limit for a customer and then penalize him if he uses more than 30% of it? And if they suspect that a customer is overextending himself and may not be able to make payments, what logic is there in raising the customer's interest rates and adding even more debt to the load he's carrying?
The only logic in their method is that they dangle high limits in front of the customer's eyes, making him feel richer than he is and tempting him to give in to immediate gratification, then when he's in up to his chin they get to increase their profits by victimizing someone they know is in a poor position to protest and fight back. If you don't have the wherewithal to pay 'em off and tell 'em to shove it, they're driving.