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Edited by bobcast:
8/18/2013 12:17:05 PM
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Fun being a grown up story.
I've had a total of one credit card my entire life. I got it during undergrad, and when I got it my credit limit was $3000. I've had the card now for almost 9 years. I don't use it much, but when I do it has always been pretty handy. I use it mostly for unexpected stuff, the last big thing I bought was a treadmill after my old one died during the winter.
I finished paying off the treadmill in June. I was thinking to myself that my limit has always been $3000. I should ask for an increase to $5000. No reason other than, "just because."
I called them up and talked to a nice guy about it. He filled out an application for me and said I will get the result in 2-3 business days. Well...I got that result this weekend and was a little shocked.
I got a letter in the mail that said, "Congratulations! Your credit limit has been approved. Your new credit limit is $3000."
I read it 2 or 3 times to make sure I was reading it right. They sent me a letter "congratulating" me on the fact my credit limit was not changed. I thought that that was a total dick move on their part. If you weren't going to change the limit, at least send me a letter that just said no.
I called them up to see what the deal was. Turns out that the guy I talked too was an idiot. he apparently requested a "total limit" change of $2000. What he should have requested was a "total limit" of $5000. He put the difference between my current total and my requested total. This made the people who approve this stuff crazy, so they "re-approved" my old limit and the automated system cut me a letter.
It is being fixed now.
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1 ReplySo where does someone's mother come into all this, exactly?
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I got my first credit card about 2 years ago.. I started out at a $300 limit.. Now it is at $1,000.. I use it when I want to build up my credit score.. I pay it off before any interest is due : ). Since then, I've been getting spammed with credit cards and laugh at their interest rates. My card is between 6 to 9% I believe and American Express comes in at 12%.. I giggle at them.
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1 Replynow imagine if u had 10 credit cards with a limit of 5k each. Now you have even more money you can spend and never have to pay back because you suddenly lost your memory.
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I think I need a credit card. What kind of numbers should I be looking for in my first Credit Card?
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2 RepliesI too have a funny credit card story. I applied for a credit card when I turned 18. The bank denied me on the basis that I had no prior credit. ... I switched banks.
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Give him the banhammer
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At least you got what you wanted without raging with an auto-needle-gun......right?
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94 RepliesI don't even have a fuck to give.
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cool blog
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5 RepliesOverdraft or bust
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3 RepliesI won't be getting a credit card, never need it. I have my own ways of getting money in an emergency.
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this doesnt sound fun at all wheres the ice cream
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4 RepliesEdited by M37h3w3: 8/19/2013 3:11:56 AMBought my current car off the street. '97 Audi A4. Looked nice for being 15 years old when I bought it. Belts had been recently replaced so I figured there wasn't much that could be wrong right? Coolant system got a crack and had to be replaced. Power steering pump died. Battery died. Brand new set of tires (guy replacing the old ones said the old ones were "racing" tires.) New brake pads. New brake shoes. New tie rod ends. Leak on the rear differential (this is particularly frustrating because they could have fixed this when they did the three above. $20 part. $300 in labor.) Leak on the oil pan (now fixed.) Leak from the oil hoses. I have cupping on the tires. Belts are starting to go again. The leak on the rear differential hasn't been fixed and I finally had to add more fluid to it since it was bone dry and making funny sounds when turning the wheel.
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I only have a best buy and have only used it once. I bought a 360 s after my old elite went out. Paid it off quickly.
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My favorite is how discover moved our billing period by 5 days so our automatic withdrawal would be late allowing them to nail us with fees.
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"Congradulations you have been bumped up to $3000" I lold at this part. Like a giant middle finger on a piece of paper. At least it was just a mistake. Cash master race
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1 ReplyMeh... at least you didn't have your card get declined for some reason. You've never had any debt problems and have been using the same card for 9 years. They have no reason to tell you no.
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This thread, I don't even.
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Cool story bro, changed my life
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1 ReplyI'm afraid to get a credit card. I only want a Debit card, knowing me I will be in debt up to my eyeballs if I had a credit card.
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Discover? I only ask because something relatively similar has happened to me before with them.
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I wouldn't have been nice about it.
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At first I was going to take a guess that you hadn't really known your exact credit card limit and they actually increased it for you, but you later proved that it was a mess-up on their end so never mind. 7.5/10, mildly amused, mostly because venomous banter between you and Verbatim was comedy gold.
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Link me to your blog plz.
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1 ReplyI get to pay a monthly fee into a cash deposit to make it seem like I'm paying off some sort of debt, but it builds me credit. I'd be overly upset if I had somebody like your guy on my end making my day worse getting something wrong. "Oh sorry, looks like you haven't made a payment to your CD in months!" ...
