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Jan 19, 17, 9:36 am
Replies: 467
Views: 148,198
Posted By vagrants

With reasonable FICO, they prefer customers who...

With reasonable FICO, they prefer customers who don't MS. Poor credit customers get declined for high rewards cards I suppose. Mortgage frauds committed by the banks were separate issue since the...
Jan 19, 17, 9:25 am
Replies: 784
Views: 155,551
Posted By vagrants

That's been blocked like years ago...you might be...

That's been blocked like years ago...you might be able to buy fixed one still but not sure.
Jan 17, 17, 3:07 pm
Replies: 467
Views: 148,198
Posted By vagrants

Well, majority of CC issuers don't like MSers. If...

Well, majority of CC issuers don't like MSers. If one card get closed by MSing, they generally close all. They just don't want to do business with MSers regardless of other recent positive actions....
Jan 16, 17, 1:54 am
Replies: 467
Views: 148,198
Posted By vagrants

"I added Arrival+ just over a year later and have...

"I added Arrival+ just over a year later and have consistently gotten CL increases as my score has climbed (helped primarily by larger CLs at other institutions). And now, gone."

I'm unclear of...
Jan 16, 17, 1:44 am
Replies: 1,290
Views: 167,064
Posted By vagrants

They must have changed the terms then. I saw no...

They must have changed the terms then. I saw no indication of the signature based in the fine print included in the package...and I probably get flames but I called in and verified that debit counts...
Jan 14, 17, 11:21 pm
Replies: 595
Views: 148,495
Posted By vagrants

Probably it was a temporary PayPal PrePaid, the...

Probably it was a temporary PayPal PrePaid, the one that was giving 5% APY on the savings for upto $5k nerfed to $1k now. I haven't seen these in a while or I paid attention recently. I did notice...
Jan 14, 17, 8:17 pm
Replies: 1,394
Views: 356,339
Posted By vagrants

That is true for WU MO as well, so not unique to...

That is true for WU MO as well, so not unique to PO MO....
Jan 14, 17, 6:23 pm
Replies: 467
Views: 148,198
Posted By vagrants

And, I wasn't responding to your personal...

And, I wasn't responding to your personal situation either. I was merely answering to your example.

It's really obvious MSing if you have low CL and recycle. Majority of the population don't...
Jan 14, 17, 9:36 am
Replies: 467
Views: 148,198
Posted By vagrants

There was/is a reason why the CC issuer gave $3k...

There was/is a reason why the CC issuer gave $3k CL...either you didn't optimize your FICO before you applied or income reported on the application was low for them to give much CL or the combined CL...
Jan 13, 17, 10:51 pm
Replies: 471
Views: 104,320
Posted By vagrants

Never used financial institutions' zip but my...

Never used financial institutions' zip but my home zip. I think I read that on older threads (not barclay specifically...but CapOne/Citi or something). Annoyingly, barclaycard always asks for the zip...
Jan 13, 17, 10:41 pm
Replies: 1,394
Views: 356,339
Posted By vagrants

WAG generally checks ID with CCs. With...

WAG generally checks ID with CCs.

With debit, PO clerks shouldn't give much trouble.
Jan 13, 17, 10:35 pm
Replies: 1,290
Views: 167,064
Posted By vagrants

Dunno and don't care about the link. If you clone...

Dunno and don't care about the link. If you clone something to a real bank account debit card (dead or alive), it's a crime as far as I understand. The debit cards are owned by the bank, not you....
Jan 13, 17, 9:03 am
Replies: 1,290
Views: 167,064
Posted By vagrants

So somehow fraudulent GC purchases increased due...

So somehow fraudulent GC purchases increased due to CVS being in the FB merchant...I can't make the connection but that's how it is I guess.
Jan 13, 17, 8:19 am
Replies: 1,290
Views: 167,064
Posted By vagrants

That is how you may play, but I doubt that's how...

That is how you may play, but I doubt that's how majority play. I mean just to get around the $2k rule per 24 hr @ CVS, they use 2 different forms of IDs. I mean just combine little $$ left on the...
Jan 13, 17, 8:12 am
Replies: 595
Views: 148,495
Posted By vagrants

lol, didn't last 'til the 20th. Major blow for...

lol, didn't last 'til the 20th. Major blow for the drugstore category CCs....
Jan 11, 17, 8:16 am
Replies: 500
Views: 400,593
Posted By vagrants

The Federal Reserve Banks provide check...

The Federal Reserve Banks provide check collection services to depository institutions. When a depository institution receives deposits of checks drawn on other institutions, it may send the checks...
Jan 10, 17, 11:34 am
Replies: 1,290
Views: 167,064
Posted By vagrants

Like a year ago or so, I checked KM about BP...

Like a year ago or so, I checked KM about BP along with MO. I was told cash only for both....

The nearest KM has a printed banner saying VISA/MC are cash only....they are dead for me.
Jan 10, 17, 1:43 am
Replies: 471
Views: 104,320
Posted By vagrants

Summary by a member:...

Summary by a member: http://www.flyertalk.com/forum/26546110-post184.html

The whole thread: http://www.flyertalk.com/forum/citi-thankyou-rewards/1742077-citi-account-shutdown-2016-a.html
Jan 8, 17, 5:20 am
Replies: 1,394
Views: 356,339
Posted By vagrants

So then, my assumption was wrong. At least they...

So then, my assumption was wrong. At least they verified something. That's better :)

No, it is not. Speaking of WM, when my Serve was working like a year or more ago (I was shutdown on the 1st...
Jan 7, 17, 5:14 pm
Replies: 1,290
Views: 167,064
Posted By vagrants

It's not clear if you are wrong for me since I...

It's not clear if you are wrong for me since I don't know how things work on the backbone end...in some cases, it might be how that works...

I don't even understand how this manual correction...
Jan 7, 17, 4:34 pm
Replies: 1,290
Views: 167,064
Posted By vagrants

If so, then I shouldn't be seeing a bunch of...

If so, then I shouldn't be seeing a bunch of missing CBs...my Simon 5B shouldn't be stacking on the call in pile assuming fixing means from that point on error free....
Jan 7, 17, 4:23 pm
Replies: 1,394
Views: 356,339
Posted By vagrants

The very first form filing in the system...

The very first form filing in the system electronically, the info being put into the system was not verified. How the hell do you know if the info put into the system for the first time is accurate...
Jan 7, 17, 4:06 pm
Replies: 1,290
Views: 167,064
Posted By vagrants

Simon as well...but I hear that's been fixed...

Simon as well...but I hear that's been fixed now...I haven't seen any double since early/mid Dec....
Jan 7, 17, 3:59 pm
Replies: 1,423
Views: 545,819
Posted By vagrants

I personally don't keep any records more than 3...

I personally don't keep any records more than 3 months or at least trying not to accumulate...but it does....but 6 months max. At the 6 months mark, I destroy everything....receipt goes into...
Jan 7, 17, 3:28 pm
Replies: 1,423
Views: 545,819
Posted By vagrants

That is kinda...if you buy say $5k of VISA GCs...

That is kinda...if you buy say $5k of VISA GCs and max is $500 per card, you can't prove anything about the link of CC -> GCs -> MO -> Bank unless you keep your receipts indicating exactly what CC...
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