NRA Visa

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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Weezie
 
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NRA Visa

Postby Weezie » Sun Oct 19, 2014 6:32 pm

I've had the card since 2011. Never late - always paid more than the minimum - usually two-three times more. I missed one payment by a week, a friend died and I was at the funeral - and those (insert swear words here) reduced my account limit to $50.00 over what I owe over the current balance, and raised the interest rate. DO NOT, I repeat, DO NOT do business with these (insert more swear words here). Have closed the account, and they can be assured that they will never get anything but grief from me going forward.


takeshi
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Postby takeshi » Mon Oct 20, 2014 7:44 am

The minimum is irrelevant. Utilization is what matters. It sucks that you missed a payment due to a funeral but a derog is red flag. High utilization is a red flag. Any credit can take adverse action with prolonged high utilization and/or derogs.

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otter
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Postby otter » Mon Oct 20, 2014 8:35 am

Weezie wrote:I've had the card since 2011. Never late - always paid more than the minimum - usually two-three times more. I missed one payment by a week, a friend died and I was at the funeral - and those (insert swear words here) reduced my account limit to $50.00 over what I owe over the current balance, and raised the interest rate. DO NOT, I repeat, DO NOT do business with these (insert more swear words here). Have closed the account, and they can be assured that they will never get anything but grief from me going forward.


Talk to Theodore Nugent in the NRA EO... he'll either kick your arse or he'll help you.
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

rockyrock
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Postby rockyrock » Mon Oct 20, 2014 8:47 am

Your situation sucks but I'm not surprised; banks aren't our friends and in most cases one should not expect them to return loyalty. It's black and white to them, if you don't hold up your part they can exercise their options.

Moving fwd I would consider an auto-pay option for the min due so this doesn't happen again.

If you routinely carried a balance of <30% I would try to call them back and hopefully you'll get someone more inclined to help you.

Good luck and as always YMMV.
American Express (2005): Green & Blue Cash Everyday
Chase: Freedom & UA Club USAA: Signature Visa & American Express
Discover it Bank of Hawaii Hawaiian Airlines WEMC Synchrony Sam's MC
Navy FCU Platinum Visa Citi Double Cash & AT&T Access MC

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djrez4
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Postby djrez4 » Mon Oct 20, 2014 9:46 am

otter wrote:Talk to Theodore Nugent in the NRA EO... he'll either kick your arse or he'll help you.


I don't think he has the cojones or the physical ability to kick anyone's arse.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
[/RIGHT]

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otter
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Postby otter » Mon Oct 20, 2014 1:20 pm

djrez4 wrote:I don't think he has the cojones or the physical ability to kick anyone's arse.


Not a fan of Nugent (or the NRA for that matter)... I think he is mostly talk but if he gets mad enough, he is a raging lunatic.
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

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djrez4
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Postby djrez4 » Mon Oct 20, 2014 3:06 pm

otter wrote:Not a fan of Nugent (or the NRA for that matter)... I think he is mostly talk but if he gets mad enough, he is a raging lunatic.


I always imagined him being the kind of guy who would talk huge but scamper off to whimper in a corner the second things got real. I'll just leave this in here.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]

[/RIGHT]

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otter
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Postby otter » Mon Oct 20, 2014 3:34 pm

djrez4 wrote:I always imagined him being the kind of guy who would talk huge but scamper off to whimper in a corner the second things got real. I'll just leave this in here.


That story on snopes.com is really bizarre whether it is true or if he was lying. He is the perfect NRA spokesman though because he's as extreme on the issue as he is.

Getting back to the OP's post... you're usually better off staying away from those kind of cards. If you want to donate to the NRA or whatever organization fits your philosophy, better to do it with cash and stick to cards which serve your own financial goals. Seen many cards like that over the years (progressive, single-issue, conservative, libertarian, etc) and they've all been terrible.
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

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djrez4
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Postby djrez4 » Mon Oct 20, 2014 4:13 pm

otter wrote:Getting back to the OP's post... you're usually better off staying away from those kind of cards. If you want to donate to the NRA or whatever organization fits your philosophy, better to do it with cash and stick to cards which serve your own financial goals. Seen many cards like that over the years (progressive, single-issue, conservative, libertarian, etc) and they've all been terrible.


Interesting that when you go to the NRA Visa website, they tell you all about how they "support the NRA" but don't mention how they do it. Do they donate a percentage of each transaction? A flat amount per transaction? I can't find the info.

Point is, a direct donation is tax deductible. You know how much is going to your favorite cause.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]

[/RIGHT]



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