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Discussion in 'Credit Talk' started by Mike2, Oct 22, 2000.
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Oooops....make that DMB...Direct Merchant's Bank. A frustrating bank to say the least.
I would give Providian a call and negotiate with them, it's always better to deal with the original creditor, also if your current credit card is not reporting to the CRA's switch to one that does, there are plenty that do report, even secured or partially secured cards that report to the CRA's as unsecured.
If you need help email me.
Good luck to you!
I got my Experian and Equifax reports on Thursday, and DMB is now there. It wasn't on my TU on Sept 16th.
I've had my MasterCard since Dec 98. When I first read here that they would start reporting, I emailed DMB to see if it was true (yes). Count me as one of those who would rather have a 'hidden' account, but since they lowered my APR to 13.74, I guess I'll just have to deal with it
When They lowered your APR did you Request it . I did and they lowered it to 19.7 .. I've also had the card for almost 2 years . Did you have a high balance at the time ?? . Cus i did and that dosn't give much leaverage in negotating the interest rate. Let us know the Detials ?
I'm assuming that you are talking about DMB, not providian. I had DMB for a little over 1 year. I had my APR lowered to 10.5%. I just called them to match an offer for one of my cards that had a 9.9%, but the best they could do was 10.5%. Not bad. They report only to Equifax and Experian. They do not report to Trans Union. Hope this helps.
THAT'S REAL INTERESTING ..
i DIDN'T HAVE AN OFFER THAT THEY COULD MATCH, BUT 10.5 IS VERY DECENT . IF I HAD AN OFFER LIKE THAT I'D DEFINATLY GIVE THEM A CALL, BUT UNFORTUNATLY I DON'T... MAYBE I CAN MAKE IT UP . LOL .. THANKX FOR THE INFO ..
Actually, I called to cancel the card because of the high rate. It wasn't even a ploy to get the APR reduced. THEY offered me 13.74; it was lower than I expected. Check my post from Oct 5 (I think) for the story.
ah ok that will do it ..