Credit cards?

[HBADPi]

The bank just called to tell me they never received my signature card with a copy of my drivers license and credit card. So basically all my personal information is out there somewhere and some moron from Bank of America is to blame because he cant put 20 pages of paperwork together without losing something!Thanks for making the last 24 hrs even worse for me.

I called Capital One to get my number changed and the lovely indian lady from across the world was nice enough to priority mail my new card so I wouldnt be without it. Great company just make sure you always pay your bills on time otherwise you get slammed with some nice fees.

[Coramoor]

I have my credit card through USAA. I couldn't ask for a better company. I'm thinking of switching all my banking through them. A+ company.

[ZTAngel]

Originally posted by Coramoor
I have my credit card through USAA. I couldn't ask for a better company. I'm thinking of switching all my banking through them. A+ company.

Can you use their services (credit card, insurance, banking) if you or a member of your immediate family isn't in the military?

[HotDamnImAPhiMu]

No, you can't.

The one downside to USAA is they have *no* banking centers except in the city they're HQed in (San Antonio, I think.) They make up for it by reimbursing you for ALL the ATM fees & such you incur, but it can still be a hassle sometimes if you just want to deposit cash (say, if you have a side job waitressing, and can't direct deposit your tips.)

They are a GREAT company though and the customer service is fantastic.

PS - government workers also qualify, not just military.

[Coramoor]

That is the one problem I have with them-not being able to deposit my non-direct deposited money with them. At work or Army money I have everything directly deposited, but when I get paid cash I end up just sitting on it and spending it.

Ah well...

[xo_kathy]

Originally posted by chideltjen
[hijack]

all I need is a credit card (Visa, MC, anything really) and ID so we could look up her credit. [/hijack]

Interesting. Was this recently? I would NEVER give my CC to a Macy's or whatever to get their credit card. What is needed to run a credit check is the name, social security number, and date of birth. The photo ID just helps to verify the person applying matched the info. A CC number doesn't do anything.

Sort of like back in the day when you couldn't write a check without a credit card. As my mom used to say, "If the check bounces, the law does not allow you to charge the amount to my card". They always claimed it was for signature verification, but when she offered he driver's license and work id w/signature, they pitched a fit. She ended up giving a cancelled credit card instead!

[valkyrie]

Originally posted by cash78mere
how do you have any credit if you have never had a credit card?

i believe most lines of credit open as soon as you get your first card. have you ever checked your score, or are you just assuming you have good credit?

Keeks has awesome credit. I checked.

Also, you don't necessarily have to have good credit to buy a house. It's not as much doom and gloom as some people make it out to be. Anyway, a big installment loan like you'd get for a car does more to build your credit than some piddly little credit cards.

[FAB*SpiceySpice]

Originally posted by valkyrie
Keeks has awesome credit. I checked.

[WCUgirl]

Originally posted by xo_kathy
Interesting. Was this recently? I would NEVER give my CC to a Macy's or whatever to get their credit card. What is needed to run a credit check is the name, social security number, and date of birth. The photo ID just helps to verify the person applying matched the info. A CC number doesn't do anything.

That's all anybody asks for these days. When you go into Express, or Vicki's, or The Gap, or where ever, and they ask you if you want to open an account, they say all they need is a major credit card.

[SapphireSphinx9]

don't do it!! credit cards are the devil!!!

if you have to have something, get yourself a debit card!

[chideltjen]

Originally posted by AXiD670
That's all anybody asks for these days. When you go into Express, or Vicki's, or The Gap, or where ever, and they ask you if you want to open an account, they say all they need is a major credit card.

And my story is pretty current too. I stopped working at Macy's in 2001. However, if you apply online or take a paper app and send it it, you don't need a major credit card number. We only took it at the register for "Instant Credit Approval."

[AChiOAlumna]

Originally posted by AchtungBaby80
I have a Macy's card, too, because I had to get one to receive my discount, but now that I don't work there anymore the only thing I wanna do is throw that d*mned thing away! But I didn't know that closing accounts makes you look bad...really?

Actually, closing accounts only give you negative points if you do this before making a HUGE purchase like a house or a car...I don't know why, but they look for something that could be construed as red flags and they think this is one. What I've learned is that if you don't use the card for a LONG period of time, then the company will close the account anyway...I have had SO many cards cancelled on me because I only use my debit card and 1 specific Visa card...the cancels don't cound against you, from what I understand...

[ZTAMich]

Credit cards are a major reason for the stress in my life right now. I hate them, wish I had never gotten any of them or at least wish someone had told me the correct way to use them, like paying them off asap. I know now that my parents have poor money & credit habits and sadly I have started down the same road.

[xo_kathy]

Originally posted by AXiD670
That's all anybody asks for these days. When you go into Express, or Vicki's, or The Gap, or where ever, and they ask you if you want to open an account, they say all they need is a major credit card.

Really?! Well, I never apply when they ask me if I want the 10% off so I'm clusless to the "new" ways, I guess. Though I did get a new Pier 1 card about a year ago and they just asked for social and ID.

Personally, I'd still refuse to give it to them. If they refused to do my app without it, I guess they'd lose a customer...

[kddani]

For many mall stores anymore there's no use in getting one of their store cards. You may get an initial discount, but for many of the stores you don't really get anything after that. VS is an exception. Express you don't get ANYTHING anymore, so I did close that account. Department store cards though will generally be good about coupons and stuff-Macy's is excellent for that.

Plus mall stores have REALLY high interest rates