cashback wrote:What are you trying to accomplish? I don't understand who you're trying to show that you're responsible? It sounds like your only problem is a debit card with a low daily limit. If the bank wont change your daily limit on YOUR money I'd change banks.
My mom watches me like a hawk, gives me exact instructions and expects me to do exactly what she says, Next week she said she's going to a lawyer to have him file a motion for discovery. She said if granted by the court, I would have to turn over all information that could be used against me at a competency hearing. She said they want to know where all my bank accounts are including credit cards and credit reports and the information they need for how to monitor them. She said if I don't want that to happen then I need to show them I'm responsible and I haven't done that yet.
My mom kept on my case until I moved my money to that stupid bank, now since it's a small town and they know the family so well, she can walk in there and ask for my statements any time she wants. I signed up for online statements only, but she noticed it didn't come in the mail, went into the bank and got it changed. All she had to do was ask them why I wasn't getting my statements, they looked it up for her and told her I signed up to go paperless, then she told them I must have made a mistake and she wanted it put back, so now when I try to go paperless, it just switches right back.
I've already done things I'm not supposed to do, my mom said I could get one credit card if I qualified. What she doesn't know is that I got 2 secured cards, she's tried to figure out what happened to the money I put up for the security deposits but so far hasn't figured it out. She doesn't know about the prepaid Amex either. So far I have $1,500 that's been unaccounted for and she's very upset about it. What I like about the credit cards, I can order something then transfer the money for my checking account, she'll know money is missing from my account but she can't figure out by looking at my statements what the money was used for.
As for the prepaid Amex, I had all kinds of problems. When I tried to get my permanent card, they couldn't verify my address so they said they couldn't send the card. I then tried to get the card sent to my mom's address because for some reason some places seem to think it's my address, I got an error message. About a week later, to my shock they sent me 2 cards, one to each address. I tried to activate one of the cards and it had a $0 balance, I activated the wrong card and now the system wouldn't let me activate the 2nd card. I had all kinds of problems, had to call in several times, finally a few days later my account showed up correctly online but according to my account I have 2 cards in my name. The user interface I have to deal with looks antique and clunky but I guess it kind of works. When I look at BlueBird, the user interface looks so much sweeter, but I can't get a clear answer on if I can switch or not. I'm not looking for Amex to offer me a real card, my credit score is below the sucks range and in the totally screwed range, plus it's fallen slightly over the last 3 months instead of going up. I have both cards paid off, no missed payments, no over the limit but they haven't done anything to help yet. One of my friends thinks we have at least 3 to 5 years before we see something above 600. Besides I just keep like $200 on the card and spend maybe $100 monthly, not exactly the figures Amex likes to see. Then again, it's only good for storing some spare funds so you don't have to take tons of cash, but since many merchants around here don't take Amex, it's not really that great of a card.