MemberSince99

A place to discuss anything... except credit cards!
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MB131174
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MemberSince99

Postby MB131174 » Sun Nov 23, 2014 12:02 pm

So, who would be willing to bet me that by now something about the house, or the bank that hold's the mortgage, has made him mad and he either put the house up for sale or burned it down? My guess would be the bank made him mad and he took a match to the house.
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popamode72
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Postby popamode72 » Sun Nov 23, 2014 12:32 pm

Oh Lord.

How long did it take for Member to return to the site after his last hiatus on this website?
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

MB131174
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Postby MB131174 » Sun Nov 23, 2014 2:57 pm

popamode72 wrote:Oh Lord.

How long did it take for Member to return to the site after his last hiatus on this website?


That's what I'm having trouble remembering
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popamode72
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Postby popamode72 » Wed Nov 26, 2014 5:49 pm

Do you guys think Member would ever wanna do business with US Bank or Associated Bank again? I think he closed his Discover card and got back in with them and then closed it again.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

MB131174
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Postby MB131174 » Wed Nov 26, 2014 6:36 pm

popamode72 wrote:Do you guys think Member would ever wanna do business with US Bank or Associated Bank again? I think he closed his Discover card and got back in with them and then closed it again.


Weirder things have happened, so it's possible.
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CarefulBuilder14
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Postby CarefulBuilder14 » Wed Nov 26, 2014 7:12 pm

Go back far enough, and you'll find threads where he says he doesn't want anything to do with Amex, either...that applies to any issuer, really.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
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Letting new accounts cool off since May
Really not sure what I'll add next or when

popamode72
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Postby popamode72 » Wed Nov 26, 2014 7:20 pm

Like someone here once said, Member rage canceled cards. No card issuer is safe from his wrath. I can sort of understand his philosophy there on canceling cards from lenders that didn't value his business as much but perhaps he took it a bit too far here and there.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

MB131174
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Postby MB131174 » Wed Nov 26, 2014 7:26 pm

popamode72 wrote:Like someone here once said, Member rage canceled cards. No card issuer is safe from his wrath. I can sort of understand his philosophy there on canceling cards from lenders that didn't value his business as much but perhaps he took it a bit too far here and there.


What he doesn't seem to understand is that companies aren't worried about "Member", they're worried about how many profitable customers they have. He is just one in a pool of thousands. What he (or you and I, for that matter) thinks, to be honest, doesn't amount to a hill of beans to them. No matter how "personable" they try to market themselves, we are nothing more than "just another customer" to them, even if they do try to make us feel special when we call/interact with them.
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popamode72
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Postby popamode72 » Wed Nov 26, 2014 7:41 pm

MB131174 wrote:What he doesn't seem to understand is that companies aren't worried about "Member", they're worried about how many profitable customers they have. He is just one in a pool of thousands. What he (or you and I, for that matter) thinks, to be honest, doesn't amount to a hill of beans to them. No matter how "personable" they try to market themselves, we are nothing more than "just another customer" to them, even if they do try to make us feel special when we call/interact with them.


Yup. That's something that I try to remind myself whenever I get frustrated with let's say Discover. I've just come to accept that they have much more profitable customers to point their attention to and there's nothing I can really do about that but just go with it and hope that might change. Amex and Chase IMO seem to be card issuers I've had the most success with by far.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

whit
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Postby whit » Wed Nov 26, 2014 8:54 pm

MB131174 wrote:What he doesn't seem to understand is that companies aren't worried about "Member", they're worried about how many profitable customers they have. He is just one in a pool of thousands. What he (or you and I, for that matter) thinks, to be honest, doesn't amount to a hill of beans to them. No matter how "personable" they try to market themselves, we are nothing more than "just another customer" to them, even if they do try to make us feel special when we call/interact with them.


in general yes

but it depends on how you sell it and if there's a reasonable basis behind what you're doing

the same people who you think sees you as a number, is following procedures that makes them in COMPLIANCE with the federal government because, the fed stepped in when people were complaining that the banks were lending them money they had no business lending (re: banks didn't do their due diligence and that's why people rarely get 300k or 100k limit on credit cards, why personal line of credit pretty much phased out) etc

don't get me wrong, the banks were all in favor of lending because they do make
the money from the fees or interest collected if not both

banks don't want to parent you, they don't want to really say hey, you aren't making enough to afford this so sorry, reject!!!

but they're now made to because before they would have more lax policy in terms of lending

but some couldn't handle this responsibility and than in turn this is what happens when parties can't solve manners amongst themselves, the government gets involved

you know banks don't really want to foreclose, they do so to protect their assets and profits yes, but they make more when you pay them interest for the life of the loans than to have to cut short and sell it and recoup that way

and even refis are great because it betters the chance that you finish the loan and guess what, they get to charge you for it!

but it's never you're just a number

banks and cc understand there is a lot of competition out there like member says

however, no bank or cc would bend the line so much they would get in trouble, it's like going to one bank (wells) and than another and see that (citi) has the same rate abouts and you go to (chase) and than (bofa) and it's like, the same thing almost!!

because underlying it all, they are subjected to the same rules, now a smaller bank that doesn't have as much in assets like a community bank or credit unions, can offer more because they don't have as strict requirements/reserves based on their size



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