Xmas Tips

Alliant asking for new application

jedwan — Fri, 12 Mar 2010 09:24:34 +0000

I have been an Alliant member since Aug. 2009. I have made heavy use of both their banking and credit products. I currently have checking, savings, LOC, CC, and motorcycle loan; never late, always PIF (except for M/C loan).

Yesterday I received a telephone call from the lady who originally opened my account. I know this because that’s how she introduced herself. She requested that I fill out a NEW application as they are updating their records and need a new signature on file. Of course I agreed and she has sent the app. via email with instructions to mail it to her at Alliant’s address.

I thought this was rather unusual. Has anyone else gotten this request from Alliant?

Samsung glyde calls

jedwan — Fri, 12 Mar 2010 07:03:25 +0000

When someone calls I hear the number then my ringtone. how do I turn off the number?

finally got a card

jedwan — Fri, 12 Mar 2010 02:58:11 +0000

so over the past 5 years i have been fixing my credit after really messing it up during college, with collections and lates, and charge off’s. my score back when i got out of college was 520. i have periodically tried applying for credit cards here and there but always get disapproved inspite of my recent credit history being very good, no lates or anything. i travel constantly so the orchard bank card i have with a limit of 1800 has not been enough. i end up maxing it out. and having to pay it off before the end of the month to try and use it again, for hotel bookings and rental cars.

well i applied for amazon visa and nfcu visa. neither were instant approvals. the amazon card was approved after a short phone call with them however i dont know what the limit is yet. the nfcu card is still in review as they requested proof of income.

equifax 710

transunion 678

Omnia II keeping it updated

jedwan — Fri, 12 Mar 2010 02:10:39 +0000

I have an Omnia II and like it very much my main question is how do I make sure that I’ve got the latest software installed? I know on Windows Mobile 6.1 there was a thing where you could have it check for updates. Also I’ve read on these forums that some of the Win mo 6.5 devices have firmware updates for them already. How do I know when one becomes available? I am in college most of the year so I don’t always have time to keep logging on to the VZW website. Any help would be appreciated.

CREDIT CARDS–Back where I started with a BankAmericard

jedwan — Fri, 12 Mar 2010 00:08:10 +0000

I had mentioned in a thread before that I had received a letter from Bank Of America about how they were re-introducing their “BANKAMERICARD” (which it was called before it was Visa).

They stated that since I have had the Credit card since 1974, they considered me a “legacy customer” and would like to convert my current card to the “BANKAMERICARD REWARDS VISA”. They also said they wished to double my current Credit limit.

This was back in August when they wrote me and I informed them that if they wished to do it when I was due to get a new card it would be fine.

FAST FORWARD TO NOW:

OK, so, my B of A card expires the end of this month and I have just received my “replacement card”. Yes, It is now called “BANKAMERICARD CASH REWARDS VISA” Signature card. They did also double my credit limit.

Its a nice looking card but nothing special. I just found it kind of ironic that after all these years, I am back to having a “BANKAMERICARD”. When I got the card originally, it was my first bank Card and had a HUGE $300 Limit. (well, huge for 1974).

Guess if we live long enough, things go full circle in life.

Message Edited by DickC on 03-11-2010 08:08 PM

Smartphone w/o data plan

jedwan — Thu, 11 Mar 2010 23:39:56 +0000

I have had a smartphone for almost a year now. It’s a Samsung SCH-i760 and it was contracted before 11/1/08 so was not subject to a data plan, rather pay per kb of use.

For most of this time, I have been able to use the My Verizon ESN changer to activate my older Motorola flip phone whenever I needed something small to carry when out on the bicycle. My Krzr K1m fits right into a pocket of my under saddle bag. Then when I’m off the bicycle I would activate the Samsung smartphone and have that for use at the office or just for everyday use.

Well…about a month ago VZW changed the online ESN changer (they called it an “enhancement”) and even though I could use it to reactivate the Moto Krzr, going back to the Samsung smartphone could no longer be accomplished online as they removed the pay per Kb selection. I expressed my displeasure, and VZW apologized and said they would still do the change free for me if I called in, but taking away the functionality of the online ESN changer is huge for me as I was switching phones whenever I went to excercise.

Now, based on all the commentary I read here about retroactive mandatory dataplans, I wonder if their offer to make these activations for me when I call will even be rescinded.

Frankly what I think VZW and users who support the need for dataplans are missing is that some smartphones, those with included WiFi, just don’t need the dataplans. These phones work fine as wireless telephones for most of their use and when WiFi is available, serve as internet devices.

Has Anyone Had This Statement On Their Citi Secured Card…

jedwan — Thu, 11 Mar 2010 22:56:30 +0000

Has anyone had the following message on their paper statement from Citi then had their secured card unsecure early?

We will contact you prior to maturity with specific options regarding your CD.

Deposit Balance $203.35

Interest Rate 04.000 Withholding $.00

Annual Percentage Yield 4.070

Penalty $.00 Maturity date 04/09/2011

My maturity date is a ways away and I thought because I have maintained my account so well over the last five months its been open they might unsecure it early and wanted to see if anyone had this message on their statement then had their card unsecure early

Thoughts

PS – This message was not on any prior statements

ANYONE OBTAIN A RECENT CLI LATELY WITH JCPENNY SINCE THE CREDIT CARD ACT

jedwan — Thu, 11 Mar 2010 22:12:31 +0000

Was wondering if anyone had any issues with hitting the luv button for a cli recently with jcpenny since this new credit card act came into play, from what I am reading it is not that easy anymore.

Reading Some Of My 2009 Year End Summaries, Lucky They Still Opened.

jedwan — Thu, 11 Mar 2010 21:31:57 +0000

Talk about low usage…..

Cap One 83.25, Chase Vi 74.36, Chase MC 87.14, JFCU VI 784, Nordstrom SIG VI 1k, NasaFCU 18.24, Affinity FCU 10.00 (metrocard).

GEMB Care Credit 2k (Dental Work) last used 02-09.. Flirting With closure big time ROTF.

Several cc weren’t use once throughout the year. This year… Only Chase and AffinityFCU have some usage.

I see closures or CLD’s in my near future.

Received CLI’s on all except Cap1 and Chase.

Rate Jacked from 9.20% to 29.90% APR at Citi

jedwan — Thu, 11 Mar 2010 20:43:50 +0000

So the Citicard I’ve had since 2003 just had its apr magically increased to the max. This isn’t a case of missed payments or default account, but I vaguley recall receiving a later in the mail saying my APR would increase in Jan this year, but it didn’t. However, I logged in to check my new statement at a balance of zero and sure enough my APR is at the max.

I’m consider a balance transfer to an existing account of mind that has better rates and a decent limit, but this will the first time I’ve done one of these and I want to make sure I understand what it means and how it affects my credit.

1. When I transfer my balance of X dollars to another account, do I owe Citi that amount back?

Say my balance is $500 and I transfer it to another account. Do I have to pay Citi $500 since I transfereed the balance? I’m probably interprating this as a cash advance.

2. Does my Citi account close when I transfer balance? I sure hope not because its my oldest account.

3. How does this effect my score in terms of the balance on the Citi Card and the other card I might transfer balance to? Will my credit report read a $500 balance on my Citi since I transferred the balance? Keep in mind my Citi account has $0 balance. The other card will have an increased credit limit I assume, but since my total credit limit didn’t increase my score shouldn’t go up or down.

Thanks in advance.