CC Deville wrote:I have read that BofA is very good about lowering APRs so after a while you could call them and ask for a lower APR.
Did you post about OCCU here? I was on MyFico the other day and I saw that some people were approved and then later OCCU took it away stating that they had to become members of the credit union. Stupid Duck/Beaver Card(s)!
Yeah, BofA was the lone holdout on reporting the credit lines on Visa Signature/World MasterCard. I want to say around April of 2013 they started reporting my Visa limit. I kind of liked not having it report but its all good.
It doesn't really matter in any practical way because I don't and don't plan to ever carry a balance. BofA from everything I've read prefers that anyway - all the evidence I've read suggests that BofA and Amex prefer PIF, while Citi and Discover like people who carry a balance. Different business models I guess.
Yes I did post about OCCU. I find what they did pretty much unbelievable for any "legitimate" business. I just closed the damn thing and moved on. Who needs the hassle. Sometimes you win by losing and I think with OCCU the best thing I could have done was just cut bait and move on so I did. From now on, I'm sticking to bigger companies that have been around a while and aren't run by totally unstable, incompetent fools like OCCU seems to be. I mean if they only wanted members of the CU, wouldn't you think that any 3rd grade kid could have figured out you should probably do that ahead of time, before you issue a bunch of cards? I mean is this like glaringly obvious to anyone with an IQ even half as high as their age or what? Apparently not to OCCU. So good riddance to them.