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Everything posted by Krash

  1. kinda what i thought, I am just going to pif my cards and keep 3 of them, i hate to say but citi may be going away after i get the next 8 mos 0 int over with, of course i could just keep em to see what happens!
  2. Is there any difference on how the credit card INT is calculated monthly vs, installment int? I think they are both daily, Or say if I had 7.99 int rate on a card and a installment loan for 8.99 would the 7.99 cost me more money per month? Or is the installment loan calculated like the credit card except the credit card is just not a SET time to pay off... I am trying to figure this stuff out... I hope I wrote it out like i was thinking it lol.... Thanks again everyone at cic!
  3. why are we suprised? GEMB sucks!!!!! If u didn't see that till now, well! Anyway I would cancel the card now, and tell them to suck it! I bet they charged you a OL fee too? That is their crappy way of screwing the people that DO pay them!
  4. I am not sure about how they compute all this crap. But something told me NOT to buy a big purchase yet, I only owe 20 on the balance now after a 25.00 payment, the int isn't that bad on that amount, but i couldn't imagine the thought of a big tv or something, OMG!! Also I only started with 80 bucks worth of stuff, I really wanted to upgrade my computer but that will have to wait till I can PIF!
  5. No cld here! Although I am getting to pif my citi cards because the 0 apr on one runs out, and then it is a 6.99 varible! So i am going to go with penfed's 5.99 for the life! And they have 1.percent of the amount that u transfer for the BT fee, that is way cheaper than their 3. that they did have!
  6. OK, so i jumped the gun? Oh well, I was just wanting people to know if they were doing that lol...... Oh well!
  7. Check this out, STATEMENT, for last month was at ANNUAL PERCENTAGE RATE for this billing cycle: 21.99% OK This month ANNUAL PERCENTAGE RATE for this billing cycle: 45.69% WTH??????????? DO NOT get anything expensive at newegg, OMG that is almost 50 percent apr, I have see it this high, AND my payment wasn't late, it was early and my payment isn't due till DECEMEBER!!!!!! I will PIF this right now..... WARNING WARNING-------- Esp to clever cynic!!!!!
  8. Correct, i got a call from a cc guy that asked why i wanted to cancel my tv order, and i said because I heard you all was going out of business, and he said yes we did do chapter 11, but if your store in your area is still OPEN then it will stay open! How true is this? I don't know!
  9. yea it is the rewards visa! But you DON"T get the nice 0 int for 32 or 36 months with that card, u get PTS only! Be aware of that, unless they changed it!
  10. U are right, in a since! I mean about the not always gold thing! here is what I have learned, CREDITORS are not your friends they are your enemies, they only help when u need a home or car! Then again they are ripping you a new one on APR, and this and that! Soooooo with that being said, the people get your ssn or last 4 of the ssn and say well he or she looks like he or she could get approved, so lets send out a preapproval, or it is all computer generated mostly! Most of the times this is horse crap because they just want to run a hard inq on your credit and screw you with that after they say no! So pick and choose! I myself am working on paying all but two credit cards off, they already have a 0 balance, And ditch citi, they served their purpose for having a 0 int on everything for 1 year! So i have to bite the bullet and PIF, and get away from em! Keep all this in mind! I have 19300 worth on one card and 6400 on the other citi card, but i dont need em, I like fixed int!
  11. here is what I am thinking, the CLD's are comming from the bank being able to extend credit to more people with worse credit by using your cl and reducing it, gives them more "available" cash! I could be wrong, but on the other hand I bet they are using the available cash from your cld's to help pay bills with! Just a thought!
  12. yes, i agree, I have seen today on tv but i wasn't sure what was said, CITI is in trouble! Maybe it is just a plea to get some gov money! But I guess i will pif my card quick, and keep penfed, and gfcu ONLY! If i get my cl cut it isn't a big deal though! I don't use em for high dollar purchases, I only owe 3300 to citi to pif! and that is all the cc I owe on!
  13. why yes, u are correct, it is that easy! Have a great day from your local friendly walmart!
  14. lmao, that is normal from what I have seen around! Still as of today the 19th of november, I still have my 19,300, 6,400,5,000,5,000 and 3,000 untouched, I don't think citi or penfed would do that! I have still yet to find someone on here that got a CLD from citi, or penfed!
  15. now that u bring up derogs, penfed when they turned me down, along with gfcu for a personal loan of just 2000, and i just paid penfed off for 4600, and they said it was because derogs on eq, what a bunch of horsey poop
  16. I don't blame ya, if everyone on this forum would cut their gemb cards and stop doing business with them, and tell them the same reason! YOU SUCK, do this with hsbc as well! Then maybe something would change! Doubt it!
  17. sure a ton of mad folks, with good reason, and darth, i don't blame ya.. i think i may just pay mine all off and keep the best apr one!
  18. i may have spoken to soon, i got a alert telling me a new acct was added, and there it was HOUSEHOLD bank! I will be calling soon as I see for sure what it is! OK, maybe it is just where they closed my cc with them from orchard, and best buy rz.. maybe!!! i see another one from an acct that i know isn't new, maybe that is it!
  19. OMg, how UNprofessional!!!!!! Those HABIB's don't know a damn thing!!!!!
  20. No doubt it isn't fair! I mean if they don't want to give credit cards out, DON"T right? I hate to say it but them and hsbc have the market cornered at all the good electronics stores! Chase isn't into the store side much! "electronics that is" So as we sit here waiting for our credit lines to be cut!!!!!!!!!
  21. so far so good on the cld's I haven't gotten none today anyway lol, keep em comming! I haven't a clue still why this is happening to some and some not! It seems to be the crappy gemb, and lower lifes like that! weird......... And for the most part, the cld's are mostly people that don't use the card at all for months, or use it much at all! Weirder!!!!
  22. OK guys and girlz, I am kinda scared after reading all this talk about "credit line decreases" SOOOOOOOOOO I have citi and penfed and a local credit union, as we all know, HSBC is done! So post up the name of the creditor that cut your credit limit! I know amex,gemb, but I am not really sure who else! I hope no one has a citi CLD! Also put up what took place before the cld! I am trying to figure out what causes this, other than the bad economy! There has to be another reason! Lets figure it out, so hopefully we can dodge it! Also name how long it has been since u used the card, and if u ever was late at all! Thanks...... So far I haven't had a cld, even chase gave me 800 more on my circuit city card! BTW, i talked with the supposed circuit city big guy that called me wondering why i canceled my order and I told him, and he said that is not true if it were true we would have closed that location a while back, so according to him, the stores that are still open are the stores that are staying open, they filed chapter 11 which he said was to "reorganize" stuff, or ever how u spell it!
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