Credit Card Question
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Is there a difference? And which river are you talking about? A few years ago I did a search on the Internet to see if there might be more than one Bullhead City in the US. The results were surprising... I live in Bullhead City, AZ. It's on the Colorado River, and the nearest town is Laughlin, NV. The only other Bullhead in the US is in South Dakota, on the Grand River, and its nearest neighbor is McLaughlin, SD. How weird is that? We can't establish an east or west river accent, because our population is rather diverse, but it's fun to know that we have sister cities who enjoy actual seasons. We only have two - Christmas and summer.
"...a photo album is like Life, but flat and stuck to pages." - Shog9
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I love my Household Bank. All customer service is in South Dakota so you get people that one can understand. hey have lots of different cards. www.householdbank.com I used to work for Citibank which has some good opions for rewards, travel and such. I still have a Citibank card, but I just like dealing with household better.
_________________________________________ You can't fix stupid, but you can medicate crazy.
I was turned into a collection agency because I had a card with Household bank.:mad::mad::mad: I paid for the hotel room for our wedding night with that card in Aug '01. In June '02 I got a letter from a collection agency basically saying "Pay now or else". It looked like spam to me so I disregarded it. A week or two later I got a phone call. They asked to speak with me, I said speaking, then they said "You owe us $250, do you want to pay with check or money order?". After asking a few questions, I figured out this thing was real. Long story short (several months of phone calls and letters): We lived in a subdivision where all the mailboxes are grouped together. My bill was placed in someone else's mailbox. They wrote "Delivered to wrong address" on the envelope. When I asked why there wasn't another bill sent or a "Final Notice", they said they couldn't send me another bill because the first one never arrived successfully. That's their policy. So rather than calling my home number (which they had because it was on the application), or sending another letter verifying my address, they just let it go until it was time to turn it over to a collection agency.:wtf:
Brad The secret to creativity is knowing how to hide your sources. - Albert Einstein
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I love my MBNA Credit Card! Unfortunately, Bank of America bought them out and replace great customer service and great online access with Mediocre service and even worse online access. To make matters worse Bank of America has such a big name that spammers spoof emails from them that look fairly real. Ironically, I didn't receive a fraud email until after the switch but that is another subject for another post! My question, well I am fed up. Now the online access requires a "site key" basically a cookie. And if the cookie doesn't exist you have to answer a random question. Well, wait, actually 5 questions, User name and account state, then another page; User Name and Password, then another page Random security question. I should end this rant so here it is: Who should I use? I need a credit card (I defer large purchases a month to make money on interest in money market accounts and for travel security and for online purchases). All I want is Great customer Service, under 11% fixed APR, and good online access. Any ideas. (Btw, I may have posted this a few months ago but now I am so fed up I may add them to the boycott list along with Best Buy)
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My primary CC is discover. 1% back everywhere, 5% for gas and most other car related purchases. IIRC 10.5% interest (I don't carry a balance). My 2ndary card's from chase and is being kept for the 0% promotional rate, and will be replaced this fall when it expires. I also have a cap1 card, but my credit history's not long enough to get a good rate. I only have it for emergency use because of the high credit limit (double what I've gotten elsewhere).
-- Rules of thumb should not be taken for the whole hand.
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I love my MBNA Credit Card! Unfortunately, Bank of America bought them out and replace great customer service and great online access with Mediocre service and even worse online access. To make matters worse Bank of America has such a big name that spammers spoof emails from them that look fairly real. Ironically, I didn't receive a fraud email until after the switch but that is another subject for another post! My question, well I am fed up. Now the online access requires a "site key" basically a cookie. And if the cookie doesn't exist you have to answer a random question. Well, wait, actually 5 questions, User name and account state, then another page; User Name and Password, then another page Random security question. I should end this rant so here it is: Who should I use? I need a credit card (I defer large purchases a month to make money on interest in money market accounts and for travel security and for online purchases). All I want is Great customer Service, under 11% fixed APR, and good online access. Any ideas. (Btw, I may have posted this a few months ago but now I am so fed up I may add them to the boycott list along with Best Buy)
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Everyone is doing this now. I am with a small bank called Webster in Connecticut and they implemented the same thing: 1. Enter your username, press enter 2. If no cookie, enter answer to a random question (1 of 5 I filled out previsouly) 3. Shown image from 1 of 1000 I selected from 4. If everything is OK, enter my password I also belong to a small credit union through work and they just sent an e-mail stating that they will be implementing something similiar. I think this is the wave of the future and you will be seeing all banks get on the bandwagon with this type of logon process. Regards,
Brigg Thorp Senior Software Engineer Timex Corporation
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Everyone is doing this now. I am with a small bank called Webster in Connecticut and they implemented the same thing: 1. Enter your username, press enter 2. If no cookie, enter answer to a random question (1 of 5 I filled out previsouly) 3. Shown image from 1 of 1000 I selected from 4. If everything is OK, enter my password I also belong to a small credit union through work and they just sent an e-mail stating that they will be implementing something similiar. I think this is the wave of the future and you will be seeing all banks get on the bandwagon with this type of logon process. Regards,
Brigg Thorp Senior Software Engineer Timex Corporation
my local credit union's just done the same thing. I sent them a mildly irate email since they haven't fixed an existing minor(?) problem that I reported last summer: the view cached check image links don't have a connection timeout like the rest of the site. I can leave the page open in a tab and come back a few days later to examine any checks that had cleared as of my last login without being made to log back in like with any of the other lines. For obvious reasons I haven't attempted to find out if only the timeout check is broken or if I could manage to view someone elses checks by handcrafting a URL.
-- Rules of thumb should not be taken for the whole hand.
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I love my MBNA Credit Card! Unfortunately, Bank of America bought them out and replace great customer service and great online access with Mediocre service and even worse online access. To make matters worse Bank of America has such a big name that spammers spoof emails from them that look fairly real. Ironically, I didn't receive a fraud email until after the switch but that is another subject for another post! My question, well I am fed up. Now the online access requires a "site key" basically a cookie. And if the cookie doesn't exist you have to answer a random question. Well, wait, actually 5 questions, User name and account state, then another page; User Name and Password, then another page Random security question. I should end this rant so here it is: Who should I use? I need a credit card (I defer large purchases a month to make money on interest in money market accounts and for travel security and for online purchases). All I want is Great customer Service, under 11% fixed APR, and good online access. Any ideas. (Btw, I may have posted this a few months ago but now I am so fed up I may add them to the boycott list along with Best Buy)
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I also had an MBNA card and feel your pain. I'm not as annoyed with the login process as with just how crappy their web site is and how often it isn't available. Just last month I got an email saying my latest statement was available, but the service was down. Ironically, two days later I was finally able to log in and the statement wasn't there! I also have a Chase card, but it's carrying an ultra-low interest balance right now. I'm temporarily switching to an American Express card in my wife's name for frequent flyer miles then switching to a cash-back Citi card.
Anyone who thinks he has a better idea of what's good for people than people do is a swine. - P.J. O'Rourke
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I love my MBNA Credit Card! Unfortunately, Bank of America bought them out and replace great customer service and great online access with Mediocre service and even worse online access. To make matters worse Bank of America has such a big name that spammers spoof emails from them that look fairly real. Ironically, I didn't receive a fraud email until after the switch but that is another subject for another post! My question, well I am fed up. Now the online access requires a "site key" basically a cookie. And if the cookie doesn't exist you have to answer a random question. Well, wait, actually 5 questions, User name and account state, then another page; User Name and Password, then another page Random security question. I should end this rant so here it is: Who should I use? I need a credit card (I defer large purchases a month to make money on interest in money market accounts and for travel security and for online purchases). All I want is Great customer Service, under 11% fixed APR, and good online access. Any ideas. (Btw, I may have posted this a few months ago but now I am so fed up I may add them to the boycott list along with Best Buy)
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I have good experiences with Washington Mutual. I almost never have to do anything except pay my bills. I've called customer service a few times about funky statements, and they were very helpful. I'm one of those people that doesn't always remember what I bought, so it's helpful to have the online statements. They have security questions on their web site, and their list of questions were all things that I don't have answers for... like the name of my first pet... I don't remember. I don't like security questions... I think it's overall a bad concept. Work great in spy movies, but not for real life. At some point, I would like it if my bank asked me for actual identification.
"Quality Software since 1983!"
http://www.smoothjazzy.com/ - see the "Programming" section for freeware tools and articles. -
I was turned into a collection agency because I had a card with Household bank.:mad::mad::mad: I paid for the hotel room for our wedding night with that card in Aug '01. In June '02 I got a letter from a collection agency basically saying "Pay now or else". It looked like spam to me so I disregarded it. A week or two later I got a phone call. They asked to speak with me, I said speaking, then they said "You owe us $250, do you want to pay with check or money order?". After asking a few questions, I figured out this thing was real. Long story short (several months of phone calls and letters): We lived in a subdivision where all the mailboxes are grouped together. My bill was placed in someone else's mailbox. They wrote "Delivered to wrong address" on the envelope. When I asked why there wasn't another bill sent or a "Final Notice", they said they couldn't send me another bill because the first one never arrived successfully. That's their policy. So rather than calling my home number (which they had because it was on the application), or sending another letter verifying my address, they just let it go until it was time to turn it over to a collection agency.:wtf:
Brad The secret to creativity is knowing how to hide your sources. - Albert Einstein
In 1991, my probation officer had such a hard time reaching me at the wrong address that finally they came (to my real address) and arrested me. It wasn't too hard to show the screwup, but that was after I spent the weekend in jail. Apparently, organizations are not responsible for making sure your information remains correct after you enter it on the application. I never got any explanation or compensation for that whole business.
"Quality Software since 1983!"
http://www.smoothjazzy.com/ - see the "Programming" section for freeware tools and articles. -
USAA was ranked #1 in customer service among *all* companies in the USA in the March '07 Business Week cover article. The only catch is that you have to be military, ex-military, related to ex-military, or child of a current member to become a member. (They've also got great insurance rates.)
My brother is US Army.
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My brother is US Army.
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Don't know offhand. I'm pretty sure there is an eligibility page off their home page that should tell you. Good luck!
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Bank of America got its start as the "working man's bank" many decades ago. When I was in 1st grade, we had a BofA rep visit our school every Monday to take our dimes and deposit them in a savings account. When I was in college they were the first to offer me a credit card - a 10% VISA card with a $300 limit, to help me with school expenses and to help me build a credit history. They boosted my credit limit every 6 months or so, as long as I kept my account current, and truly helped me get a start in the adult world of finance. They were the first US bank to offer online banking - via a 300 baud modem connection - in 1982 or so. But somewhere they lost their foundations in the late 80s. When I tried to cash out my childhood savings account, they at first denied the existence of the account, then refused to pay the interest on the savings, then refused to let me have the cancelled savings account passbook for my mom's collection of memorabilia. Since then they have only become worse. When I moved to Arizona I arrived with a check for $10,000 to establish myself in town, drawn upon Bank of America. When I deposited the check in my new account (at Bank of America), they held the funds for 15 days. What's up with that? One phone call would have verified the funds, but they were too lazy to dial, and their procedure was cast in stone. That's a guideline for you, btw - when policy and procedure replace individual initiative, in any organization, that organization is doomed. One of the nice things about keeping old people around is that we have already learned stuff you need to know, and if you have the sense to listen you can save yourself much grief. But I digress... BofA is one of the last places I'd consider keeping my money. They have lost their roots and are no longer interested in their customers. Only the stockholders and next quarter's profits matter to them, and that's definitely not in the best interests of their customers. I can't recommend anyone - I currently use Chase, but only because they're the best game in town - they still suck, but not as badly as BofA. There's an online bank I've been meaning to check out called ING - their symbol is an orange ball, and I'll be damned if I can figure that one out. But they are reputed to pay excellent rates for savings and exhibit excellent customer service. Check them out, and let me know your impressions. I'm in the market for a new bank, too. On another note - I stash my cash at Scottrade even when I can't afford to play the market.
A great response Roger. I'm going to look into Ing and Scottrade this week. Cheers
My Blog A human being should be able to change a diaper, plan an invasion, butcher a hog, conn a ship, design a building, write a sonnet, balance accounts, build a wall, set a bone, comfort the dying, take orders, give orders, cooperate, act alone, solve equations, analyze a new problem, pitch manure, program a computer, cook a tasty meal, fight efficiently, die gallantly. Specialization is for insects. - -Lazarus Long
