Credit card companies suck...

[hanselthecaretaker]

This is the second time someone managed to just call up Capital One and change my mailing address and phone #. I got an email alert saying they've been changed and I haven't even touched that account in months (0 balance). I checked my account online and it showed these changes were pending. I called them up and canceled that shit pronto. Also set up a password for any future phone call access. Lucky I checked my email when I did. The first time this shit happened someone managed to rack up a few grand more than the damn credit limit and I had to provide proof of address to credit agencies to clear it up.

It's disturbing that general security is weak enough that someone douchebag is able to make changes like that. Also that this info of me is out there and apparently up for grabs.

I'd cancel the account completely but thanks to credit being so important these days it would count against me, seeing as how it's by far my oldest and highest credit card account.

Crimes like this should be punishable by death.

 

[PICK3]

Cap 1 = teh suck

 

[nangiggles]

Look at me I have a credit card!!!

 

[cindylou]

Look at me I have a credit card!!!

awwww

 

[nangiggles]

actually capital one keeps sending me mail offering me credit cards but I kinda dont like them, mostly because they are saying yes when everyone says no, LOL

 

[miplank]

Just because they send you an offer doesn't mean they will grant credit...



Just sayin'

 

[calveless wonder]

^----correct

also, fuck Crapital One

 

[nangiggles]

STFU you two! it makes me feel like maybe they`ll give me one

 

[cindylou]

try it and see

 

[nangiggles]

I kinda want to but i dont want yet another inquiry in my report :S

 

[cindylou]

oh yeah that's right

 

[-SD-]

Ohhhh look at me, I got a credit card offer

 

[miplank]

STFU you two! it makes me feel like maybe they`ll give me one

They won't...


I've told you how to do this before...why have you not done it?


Go to your bank (preferably a credit union) If you're not a member of a credit union move your accounts to one.

Then ask them for a secured credit card. Basically you will put a certain amount of money into a seperate account and then use yoru card as a credit card paying your balance every month. Typically after one year of this they will switch you from a secured to an unsecured card.

now stfu

 

[smurf2]

cash basis, ngrs.

 

[miplank]

cash basis, ngrs.

"Look at me, I married a Doctor!"

 

[calveless wonder]

levered

 

[calveless wonder]

get those best buy points

frequent fly milers

 

[nangiggles]

They won't...


I've told you how to do this before...why have you not done it?


Go to your bank (preferably a credit union) If you're not a member of a credit union move your accounts to one.

Then ask them for a secured credit card. Basically you will put a certain amount of money into a seperate account and then use yoru card as a credit card paying your balance every month. Typically after one year of this they will switch you from a secured to an unsecured card.

now stfu

Credit union said they would maybe give me a secured credit card if I paid 150%, which means if I want a $1000 card I have to give them $1500.... lovely...

I've had a secured card with Wells Fargo for over 6 months now, I can only wait and be patient....

 

[miplank]

Credit union said they would maybe give me a secured credit card if I paid 150%, which means if I want a $1000 card I have to give them $1500.... lovely...

I've had a secured card with Wells Fargo for over 6 months now, I can only wait and be patient....

Then STFU

 

[nangiggles]

Then STFU

ok

 

[mrplunkey]

I can't imagine how frustrating it is for credit card companies these days. The fraud and attempted fraud has to be absolutely nuts.

Here's what I'd like to see from credit card companies: I want an option where anytime my card is used at all, I get a phone message (text initially, but I'm sure a dedicated app would emerge) asking for my PIN. Then when I send my PIN back, the charge goes through. If the dedicated app would hide the PIN, it would be an incredibly secure card since you'd have to have the card info, my cell phone *and* know my PIN.

 

[cindylou]

I can't imagine how frustrating it is for credit card companies these days. The fraud and attempted fraud has to be absolutely nuts.

Here's what I'd like to see from credit card companies: I want an option where anytime my card is used at all, I get a phone message (text initially, but I'm sure a dedicated app would emerge) asking for my PIN. Then when I send my PIN back, the charge goes through. If the dedicated app would hide the PIN, it would be an incredibly secure card since you'd have to have the card info, my cell phone *and* know my PIN.

one step closer to the mark

 

[cindylou]

kidding. couldn't help myself

 

[mrplunkey]

one step closer to the mark

Well eventually the cell phone will be activated by an invisible ink tattoo placed on each person's arm. The phone will shine a UV light on the tattoo to read it, which activates the phone and allows you to purchase something.

Muahahahahahaha! My plan is coming together nicely.