Comments for MoneySavingCreditCardSecrets.com Blog http://moneysavingcreditcardsecrets.com/blog CREDIT CARD CONFIDENTIAL - An Insider Reveals How To Avoid Heartbreak, Wasted Fees & Identity Theft Sun, 22 Aug 2010 19:07:57 +0000 hourly 1 http://wordpress.org/?v=3.2.1 Comment on Punishing Credit Card “Deadbeats” by Credit » Blog Archive » Paying a credit card off bad for credit? http://moneysavingcreditcardsecrets.com/blog/2008/09/17/punishing-deadbeats/#comment-303 Credit » Blog Archive » Paying a credit card off bad for credit? Sun, 22 Aug 2010 19:07:57 +0000 http://moneysavingcreditcardsecrets.com/blog/?p=80#comment-303 [...] info here: http://moneysavingcreditcardsecrets.com/blog/2008/09/17/punishing-deadbeats/References : Personal experience. We had a Lowes card with a high credit limit we had for years [...] [...] info here: http://moneysavingcreditcardsecrets.com/blog/2008/09/17/punishing-deadbeats/References : Personal experience. We had a Lowes card with a high credit limit we had for years [...]

]]> Comment on Pros & Cons Of Credit Card Reform Act of 2009 by damon http://moneysavingcreditcardsecrets.com/blog/2009/05/21/pros-cons-of-credit-card-reform-act-of-2009/#comment-301 damon Tue, 10 Aug 2010 16:41:52 +0000 http://moneysavingcreditcardsecrets.com/blog/?p=139#comment-301 I told Chase BY BY . I dont do business with these big banks. I payed them all off went to small homeowned banks. They are all Crooks I told Chase BY BY . I dont do business with these big banks. I payed them all off went to small homeowned banks. They are all Crooks

]]> Comment on Restricted Credit Card Accounts by Myron Dimsdale http://moneysavingcreditcardsecrets.com/blog/2008/09/12/restricted-credit-card-accounts/#comment-299 Myron Dimsdale Tue, 04 May 2010 18:36:01 +0000 http://moneysavingcreditcardsecrets.com/blog/?p=76#comment-299 There are marketers who when you puchase from them will auto enteryou in thier"Club " and uto charge your credit card fees or auto ship merchandise. I saw an add on TV for a service that allowed one to create a new credit card # beside your regular card # for a limited $ amount. Once it was used it became an expired #. Where can I find such service. for a credit card. Obviously paaypal work that way but the vendor who is crooked won't accept paypal it defeats there whole schema. There are marketers who when you puchase from them will auto enteryou in thier”Club ” and uto charge your credit card fees or auto ship merchandise. I saw an add on TV for a service that allowed one to create a new credit card # beside your regular card # for a limited $ amount. Once it was used it became an expired #. Where can I find such service. for a credit card. Obviously paaypal work that way but the vendor who is crooked won’t accept paypal it defeats there whole schema.

]]> Comment on Just Closing A Credit Card Account Does Not Freeze Interest Rates, So “Opt Out” Instead by Cindy S. http://moneysavingcreditcardsecrets.com/blog/2009/02/15/just-closing-a-credit-card-account-does-not-freeze-interest-rates-so-opt-out-instead/#comment-287 Cindy S. Tue, 24 Nov 2009 18:20:38 +0000 http://moneysavingcreditcardsecrets.com/blog/?p=128#comment-287 We have had numersous problems with Bank of America reducing our credit limit as balances are paid off. We have NEVER paid late on anything. They recently closed an account that we were not using. I am paying off yet another account of about $7,500 immediately and am afraid THEY will close the account as soon as it is paid off. Won't this hurt my credit score if THEY close the account rather than us? What should be do? I have heard that we should never close a credit card account before it is paid in full as they may raise our interest rate. We have had numersous problems with Bank of America reducing our credit limit as balances are paid off. We have NEVER paid late on anything. They recently closed an account that we were not using. I am paying off yet another account of about $7,500 immediately and am afraid THEY will close the account as soon as it is paid off. Won’t this hurt my credit score if THEY close the account rather than us? What should be do? I have heard that we should never close a credit card account before it is paid in full as they may raise our interest rate.

]]> Comment on Inactive Credit Cards Lose Rewards by Twitted by Agent_0016 http://moneysavingcreditcardsecrets.com/blog/2009/11/24/inactive-credit-cards-lose-rewards/#comment-284 Twitted by Agent_0016 Tue, 24 Nov 2009 08:55:26 +0000 http://moneysavingcreditcardsecrets.com/blog/?p=114#comment-284 [...] This post was Twitted by Agent_0016 [...] [...] This post was Twitted by Agent_0016 [...]

]]> Comment on Pros & Cons Of Credit Card Reform Act of 2009 by Gary http://moneysavingcreditcardsecrets.com/blog/2009/05/21/pros-cons-of-credit-card-reform-act-of-2009/#comment-282 Gary Thu, 12 Nov 2009 21:37:10 +0000 http://moneysavingcreditcardsecrets.com/blog/?p=139#comment-282 I learned the hard way about Chase. I have two cards, VISA/Mastercard. Both were at around 7%. When my employer skipped town it tooks several months to find another job which was a 50% paycut. Both cards were close to their limits but I didn't realize that although the statements showed several dollars (not many) available, USING these monies would put me over my limit once the service charges were added. A couple of late fees later and the interest rates climbed to 23 and almost 30%! I paid the fees and called to see about a rate reduction and applied for their "hardship" assistance and was denied both. I was told that if I make my payments "on time" for the next six months I would then be eligible for a "one-time rate reset". So I called today and go figure, they are not considering any rate resets until after the first of the year! I have ZERO late payments on my credit history which was almost 800. It is around 700 now for some unknown reason. I have had these cards for years- I learned the hard way about Chase. I have two cards, VISA/Mastercard. Both were at around 7%. When my employer skipped town it tooks several months to find another job which was a 50% paycut.

Both cards were close to their limits but I didn’t realize that although the statements showed several dollars (not many) available, USING these monies would put me over my limit once the service charges were added.

A couple of late fees later and the interest rates climbed to 23 and almost 30%! I paid the fees and called to see about a rate reduction and applied for their “hardship” assistance and was denied both. I was told that if I make my payments “on time” for the next six months I would then be eligible for a “one-time rate reset”.

So I called today and go figure, they are not considering any rate resets until after the first of the year!

I have ZERO late payments on my credit history which was almost 800. It is around 700 now for some unknown reason.

I have had these cards for years-

]]> Comment on Pros & Cons Of Credit Card Reform Act of 2009 by Joan http://moneysavingcreditcardsecrets.com/blog/2009/05/21/pros-cons-of-credit-card-reform-act-of-2009/#comment-281 Joan Sat, 07 Nov 2009 23:23:45 +0000 http://moneysavingcreditcardsecrets.com/blog/?p=139#comment-281 Hi, Me too. American Express just raised me from 15% to 29.9% on a closed account! Hi,

Me too. American Express just raised me from 15% to 29.9% on a closed account!

]]> Comment on Pros & Cons Of Credit Card Reform Act of 2009 by Susan http://moneysavingcreditcardsecrets.com/blog/2009/05/21/pros-cons-of-credit-card-reform-act-of-2009/#comment-280 Susan Sat, 07 Nov 2009 23:20:14 +0000 http://moneysavingcreditcardsecrets.com/blog/?p=139#comment-280 Citibank just raise my interest rate from 9.2% to 29,9% !! For no reason at all, not late or anything. Obama is giving these companies a free for all right now. He needs to stop them. They are robbing us. Citibank just raise my interest rate from 9.2% to 29,9% !! For no reason at all, not late or anything. Obama is giving these companies a free for all right now. He needs to stop them. They are robbing us.

]]> Comment on Just Closing A Credit Card Account Does Not Freeze Interest Rates, So “Opt Out” Instead by david klein http://moneysavingcreditcardsecrets.com/blog/2009/02/15/just-closing-a-credit-card-account-does-not-freeze-interest-rates-so-opt-out-instead/#comment-278 david klein Tue, 20 Oct 2009 18:04:17 +0000 http://moneysavingcreditcardsecrets.com/blog/?p=128#comment-278 Hello. I have a credit card with Chase.....I opted out because they were increasing the interest rate on this card. This was about 6 months ago.....I noticed on my statement of a few days ago that they increased the interest rate-------I had made all the payments in a timely manner........just talked to Chase.. they said they sent me another change in terms and I had not responded to this one......in other words they unfroze my opt out.......because I called within a few days they again froze my opt out at the prior opt out rate.......thank you david klein Hello. I have a credit card with Chase…..I opted out because they were increasing the interest rate on this card. This was about 6 months ago…..I noticed on my statement of a few days ago that they increased the interest rate——-I had made all the payments in a timely manner……..just talked to Chase.. they said they sent me another change in terms and I had not responded to this one……in other words they unfroze my opt out…….because I called within a few days they again froze my opt out at the prior opt out rate…….thank you david klein

]]> Comment on Moving Funds: Credit Card To Checking Account by sandrar http://moneysavingcreditcardsecrets.com/blog/2008/07/28/moving-funds-credit-card-to-checking-account/#comment-273 sandrar Thu, 10 Sep 2009 14:54:20 +0000 http://moneysavingcreditcardsecrets.com/blog/?p=55#comment-273 Hi! I was surfing and found your blog post... nice! I love your blog. :) Cheers! Sandra. R. Hi! I was surfing and found your blog post… nice! I love your blog. :) Cheers! Sandra. R.

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