I'm wondering if this is a joke

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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MemberSince99
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I'm wondering if this is a joke

Postby MemberSince99 » Tue Dec 24, 2013 1:49 pm

Or a mistake.


I just got an email from Citi saying I've been approved for the Dividend with a limit of 6,300. (how they come up with that, I have no idea).


I thought they had to have proof of my address?


I don't get it. Now I'm worried they did approve and will send it to the old address where I can't get mail anymore. So I'll have to call and make sure they send it to the right place, if it's not a mistake or something in the first place. I thought they were just really hard core on that?


MemberSince99
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Postby MemberSince99 » Tue Dec 24, 2013 2:24 pm

I called and found out it's no joke or mistake.


I really thought I had to wait until next month and verify the new address? I don't really know what happened here. It is a good thing I called though, as they were going to send it to the old address and since I no longer have access to that, that would be VERY bad. So I caught it before the card got mailed fortunately.


I guess a lesson here is don't use a UPS store mailing address - they can go at any time and then you are screwed. I didn't know they were closing when I applied for these cards. Lesson learned.

Ikarus
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Postby Ikarus » Tue Dec 24, 2013 4:19 pm

MemberSince99,

Skip the box address at UPS Stores and go with a PO BOX with street addressing.

Some history:

A few years ago, UPS bought out Mailboxes Etc. Many UPS Stores are privately owned franchises, so when times get rough, they're quick to go out of business and your address is easy to get displaced -- in most cases, more than once.

A few years ago, USPS (the US Post Office) challenged the UPS Store by offering the ability to receive packages from private mailers (namely, UPS and Fedex) through a service called street addressing. You use the post office's street address and turn your PO box number into a # at the post office address. You can't say apartment or suite, however, just #. They take your signature and place it on record, which allows them to "sign" for packages for you. (Note: the address of your PO Box may not match they physical address of the post office, itself.)

PO Boxes are cheap and US Post Offices are a lot less likely to close than franchise UPS Stores (in primary city locations, anyway).
Merrick Bank (Hooters) 4100
Cap One Quicksilver 4800
Discover it 2500
Citi Forward 8000
Chase Freedom 1000
AMEX Blue Cash Everyday 5500
Citi Dividend 7000
Cap One Visa Platinum 750 (CLOSED)

MemberSince99
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Postby MemberSince99 » Tue Dec 24, 2013 5:13 pm

I agree with you 100%. If I were to do it again, I'd get one at the Post Office.


The truth of it is, I was getting tired of that UPS box anyway. It was out of my way to have to drive (when I got the box it was near where I worked at the time but not now) so once a week I'd go there usually to just get junk mail anyway, and it was becoming tiresome. I just thought it would be a hassle to go to the DMV for a new license and so on, plus changing ALL my addresses, and so that laziness plus not wanting to deal with the junk mail addressed to "Resident" and "Our Neighbor" at my apartment is why I left it open as long as I did.


The other reason is I simply will not list my address on my resume there are too many freaks on the internet I will not list my physical address on a resume I post for public viewing, period. I can give the city and state, but that's all they are going to get on anything that's public. So that was a reason too as I could list the full address, but frankly only a few strange individuals have even asked me why I don't list my full address on my resume. When I explain those resumes are posted on public facing job boards and anyone can read that and there are some unstable people out there, that ends the questioning.


So, if I ever do that again, and I currently don't plan to but you never know, I will follow your excellent suggestion and go with the USPS.

Ikarus
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Postby Ikarus » Tue Dec 24, 2013 5:23 pm

I'm 100% with you. I've had a PO Box for years. Everything goes there: paycheck stubs, credit offers, credit card/bank correspondence, even mail from family. Even my resume posts my PO Box address. I provide my driver's license at job offers and that's it.

Street addressing helps further that end. Because you can use it to receive Amazon and EBay purchases, it's another buffer from folks actually having your address.
Merrick Bank (Hooters) 4100
Cap One Quicksilver 4800
Discover it 2500
Citi Forward 8000
Chase Freedom 1000
AMEX Blue Cash Everyday 5500
Citi Dividend 7000
Cap One Visa Platinum 750 (CLOSED)

MemberSince99
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Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Tue Dec 24, 2013 5:40 pm

It is a great thing if you move but stay in the local area - then you don't have to switch your mail around which is a big hassle. And that's true too about eBay and Amazon purchases. I used to buy a lot on eBay still do a good deal of business with Amazon.


The other great thing is as you mentioned they can sign for things while you aren't there to sign for them. But they will do that here at my apartment too. Thing is I have to leave work early to get here before they close is the only thing but I don't have to get much signed for.


By the way you have a nice collection of cards there.

Ikarus
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Postby Ikarus » Tue Dec 24, 2013 5:55 pm

I haven't tried street addressing for credit cards, but I wonder if it would work. Banks ask for your license to initiate things, but having correspondence go to a "street" address instead of a PO Box shouldn't be too hard.

This isn't about being deceptive, just limiting the distribution of your physical address for mass consumption and avoiding id theft. This whole Target debacle brings things further to light. It's too easy to have your info snagged while being a consumer. Who are you really dealing with when transacting with Amazon 3rd party sellers or folks off Ebay? That's why I always use PayPal, for starters.

I opened a corporation at one point and didn't like that your physical address was readily available on the secretary of state's website. You had no choice. I think things are different for LLCs vs Corps in that regard. But I wonder if street addressing can work for that, as well.

Also, my suite of cards is nothing like yours. What are the requirements for the Duck card?
Merrick Bank (Hooters) 4100
Cap One Quicksilver 4800
Discover it 2500
Citi Forward 8000
Chase Freedom 1000
AMEX Blue Cash Everyday 5500
Citi Dividend 7000
Cap One Visa Platinum 750 (CLOSED)

CC Deville
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Postby CC Deville » Tue Dec 24, 2013 11:34 pm

I love my PO Box. I wish I had a lower number box (mine is 6 digits because there are several post offices in Phoenix) but other than that, love it.

Now, what made you decide on the Dividend card? Just curious as there are better cash back cards out there. Mine started out life in 2000 as a Platinum Select. In 2004 I was PO'ed at Discover and rather than close my unused Platinum Select I PC'ed to the Dividend card. It used to be awesome...5% cash back on groceries, gas stations and drug stores ($300 yearly cap of course). Then they changed it to 2% but added utilities...then they copied Freedom and Discover as a flat 1% card with the 5% rotating categories..which, for the past few years have not done a lot for me. I used that card religiously between 2004 and early 2012 until my BofA World Points Visa Signature was PC'ed to the Cash Rewards Visa Signature. I love that card. I like my Citibank cards...just wish they would beef up their rewards a bit. I'd like them to revamp Dividend to be more like Cash + or Huntington Voice.

MemberSince99
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Postby MemberSince99 » Wed Dec 25, 2013 9:23 am

This will sound weird but my reasoning is I've had accounts with pretty much every other prime lender - Amex, Discover, Chase, Bank of America, US Bank, Barclay's, etc. But Citi is the one that always said NO. It's like the girl in high school you just can't get she always turns you down and by virtue of that alone she becomes more desirable. I want to try them all. (And the girls too but that's a different story!).


The other cards just didn't seem to offer anything I could relate to. I figured at least this one has rotating 5% categories, and I don't have any cards like that in my wallet right now. True that some will be useless but that's true with Discover as well from the moaning I hear about the 2014 categories, so granted it won't always be something we'd want.


Plus I like their virtual card number concept though I know Discover ha that also (but Discover would just give me a toy limit and probably leave it there if I went back to them so I don't see that happening, despite how great their CS is).


So those are the reasons. I have read on FICO how Citi really wants balance carriers and I'm not one and have no plans to become one, so I'm not sure how they will like me but we'll see. My habits are much more what Amex wants to see, but my revolvers are stuck at 2k with them and I have no idea if or when that will change. Same with Chase my limit is currently basically locked and who knows when or if that will change (and I have NO intention of asking and taking 2 hard pulls to find out, just not happening). So I mainly app'd for new cards because I was interested in a travel card that can grow with me (hence the Arrival) and Citi because I've never had and burned them and that should be able to grow with me as well. BCP is fine at 2k if Amex leaves it there for the rest of my life, but a travel card like the BSP is not ok at that limit and is almost useless to me. What I might do is just wait for 13 months, then roll as much of the limit into the BCP as possible to get a CLI on it that way (perhaps the only one I'll ever get) and close the BSP. A very slow way to get CLIs on the revolvers is to apply for say one a year, wait a year, and roll the limit onto the desired card, rinse and repeat, and with any other lender that would be terrible but with backdating to 1999, it's almost appealing to think about. Just kind of a pain but it would work.


So that was my overall reasoning.

CC Deville
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Postby CC Deville » Wed Dec 25, 2013 10:35 am

That makes sense. I was just wondering is all because the Freedom would have been a good choice to combine the UR points with your Sapphire.

Overall I like Citibank. Citibank has always been awesome about CLI's, APR reductions and product changes. They seem to be the most flexible credit card company for those things.

All credit card companies like people who revolve each month and Citibank is no different; however, I have never had a problem with them when I ask for a CLI, APR reduction or product change. As long as you pay on time each month and use the card, they will treat you right. My friend and I were talking yesterday about how she requested a CLI from Citibank on her card so I decided to get rid of that funky $8,100 limit and asked for $900 to make it an even $9,000. Approved!



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