[four walling]

[quote=flu]
The other thing is that Citibank/BofA and other banks routinely cancel credit cards IF there was a security breach at one of the merchants that had your credit card number…What happens is one of these merchants report to your CC that your info has been compromised, and then the CC company automatically cancels the card and reissues you another one. The fault is the merchant you bought from, not the CC company [/quote]

That IS what the BofA says happened-a merchant reported a security breach to the BofA.

I am NOT unhappy that the BofA caught it and they even told me that I could use the cancelled card until the new one arrives.

However, I am not going to test that theory-

One caveat-I looked at my statments and noticed the card was also used recently to re-up the Sirius subscribtion and for the dog kennel. I mistakenly thought that I had only used it for the AT&T bill. I did not feel like inputing the new CC info for these rare occuring and recurring charges.

[four walling]

[quote=flu]
The other thing is that Citibank/BofA and other banks routinely cancel credit cards IF there was a security breach at one of the merchants that had your credit card number…What happens is one of these merchants report to your CC that your info has been compromised, and then the CC company automatically cancels the card and reissues you another one. The fault is the merchant you bought from, not the CC company [/quote]

That IS what the BofA says happened-a merchant reported a security breach to the BofA.

I am NOT unhappy that the BofA caught it and they even told me that I could use the cancelled card until the new one arrives.

However, I am not going to test that theory-

One caveat-I looked at my statments and noticed the card was also used recently to re-up the Sirius subscribtion and for the dog kennel. I mistakenly thought that I had only used it for the AT&T bill. I did not feel like inputing the new CC info for these rare occuring and recurring charges.

[four walling]

[quote=flu]
The other thing is that Citibank/BofA and other banks routinely cancel credit cards IF there was a security breach at one of the merchants that had your credit card number…What happens is one of these merchants report to your CC that your info has been compromised, and then the CC company automatically cancels the card and reissues you another one. The fault is the merchant you bought from, not the CC company [/quote]

That IS what the BofA says happened-a merchant reported a security breach to the BofA.

I am NOT unhappy that the BofA caught it and they even told me that I could use the cancelled card until the new one arrives.

However, I am not going to test that theory-

One caveat-I looked at my statments and noticed the card was also used recently to re-up the Sirius subscribtion and for the dog kennel. I mistakenly thought that I had only used it for the AT&T bill. I did not feel like inputing the new CC info for these rare occuring and recurring charges.

[four walling]

[quote=flu]
The other thing is that Citibank/BofA and other banks routinely cancel credit cards IF there was a security breach at one of the merchants that had your credit card number…What happens is one of these merchants report to your CC that your info has been compromised, and then the CC company automatically cancels the card and reissues you another one. The fault is the merchant you bought from, not the CC company [/quote]

That IS what the BofA says happened-a merchant reported a security breach to the BofA.

I am NOT unhappy that the BofA caught it and they even told me that I could use the cancelled card until the new one arrives.

However, I am not going to test that theory-

One caveat-I looked at my statments and noticed the card was also used recently to re-up the Sirius subscribtion and for the dog kennel. I mistakenly thought that I had only used it for the AT&T bill. I did not feel like inputing the new CC info for these rare occuring and recurring charges.

[four walling]

[quote=flu]
The other thing is that Citibank/BofA and other banks routinely cancel credit cards IF there was a security breach at one of the merchants that had your credit card number…What happens is one of these merchants report to your CC that your info has been compromised, and then the CC company automatically cancels the card and reissues you another one. The fault is the merchant you bought from, not the CC company [/quote]

That IS what the BofA says happened-a merchant reported a security breach to the BofA.

I am NOT unhappy that the BofA caught it and they even told me that I could use the cancelled card until the new one arrives.

However, I am not going to test that theory-

One caveat-I looked at my statments and noticed the card was also used recently to re-up the Sirius subscribtion and for the dog kennel. I mistakenly thought that I had only used it for the AT&T bill. I did not feel like inputing the new CC info for these rare occuring and recurring charges.

[four walling]

[quote=flu][quote=nocommonsense]Which bank is AFCU? Thanks.[/quote]

It was a credit union. BUT it’s only available to former employees.[/quote]

What about current employees or is there no such thing?

[four walling]

[quote=flu][quote=nocommonsense]Which bank is AFCU? Thanks.[/quote]

It was a credit union. BUT it’s only available to former employees.[/quote]

What about current employees or is there no such thing?

[four walling]

[quote=flu][quote=nocommonsense]Which bank is AFCU? Thanks.[/quote]

It was a credit union. BUT it’s only available to former employees.[/quote]

What about current employees or is there no such thing?

[four walling]

[quote=flu][quote=nocommonsense]Which bank is AFCU? Thanks.[/quote]

It was a credit union. BUT it’s only available to former employees.[/quote]

What about current employees or is there no such thing?

[four walling]

[quote=flu][quote=nocommonsense]Which bank is AFCU? Thanks.[/quote]

It was a credit union. BUT it’s only available to former employees.[/quote]

What about current employees or is there no such thing?

[four walling]

[quote=davelj]

Interesting. While I know that theoretically an 850 FICO is possible, I’ve never met anyone or even heard of anyone actually having an 850 FICO. [/quote]

I tried to cancel my Discover card a couple of weeks ago because I never use it. I was willing to take the hit on my FICO due to a smaller amount of revolving credit availability if I got rid of it.

Discover threw 3 people at me to try to convince me to keep it open. I agreed to do so just in the interest of saving time-it is a lot of work trying to close a credit card account.

I rewarded their effort by spending $37 with it.

The lesson learned is that no credit card company will ever make people pay to use their card even if they pay off the balance monthly and espcially if they have a client with a superior credit history.

That is important to keep in mind if somebody wants to charge you for the priveledge of carrying their card.

[four walling]

[quote=davelj]

Interesting. While I know that theoretically an 850 FICO is possible, I’ve never met anyone or even heard of anyone actually having an 850 FICO. [/quote]

I tried to cancel my Discover card a couple of weeks ago because I never use it. I was willing to take the hit on my FICO due to a smaller amount of revolving credit availability if I got rid of it.

Discover threw 3 people at me to try to convince me to keep it open. I agreed to do so just in the interest of saving time-it is a lot of work trying to close a credit card account.

I rewarded their effort by spending $37 with it.

The lesson learned is that no credit card company will ever make people pay to use their card even if they pay off the balance monthly and espcially if they have a client with a superior credit history.

That is important to keep in mind if somebody wants to charge you for the priveledge of carrying their card.

[four walling]

[quote=davelj]

Interesting. While I know that theoretically an 850 FICO is possible, I’ve never met anyone or even heard of anyone actually having an 850 FICO. [/quote]

I tried to cancel my Discover card a couple of weeks ago because I never use it. I was willing to take the hit on my FICO due to a smaller amount of revolving credit availability if I got rid of it.

Discover threw 3 people at me to try to convince me to keep it open. I agreed to do so just in the interest of saving time-it is a lot of work trying to close a credit card account.

I rewarded their effort by spending $37 with it.

The lesson learned is that no credit card company will ever make people pay to use their card even if they pay off the balance monthly and espcially if they have a client with a superior credit history.

That is important to keep in mind if somebody wants to charge you for the priveledge of carrying their card.

[four walling]

[quote=davelj]

Interesting. While I know that theoretically an 850 FICO is possible, I’ve never met anyone or even heard of anyone actually having an 850 FICO. [/quote]

I tried to cancel my Discover card a couple of weeks ago because I never use it. I was willing to take the hit on my FICO due to a smaller amount of revolving credit availability if I got rid of it.

Discover threw 3 people at me to try to convince me to keep it open. I agreed to do so just in the interest of saving time-it is a lot of work trying to close a credit card account.

I rewarded their effort by spending $37 with it.

The lesson learned is that no credit card company will ever make people pay to use their card even if they pay off the balance monthly and espcially if they have a client with a superior credit history.

That is important to keep in mind if somebody wants to charge you for the priveledge of carrying their card.

[four walling]

[quote=davelj]

Interesting. While I know that theoretically an 850 FICO is possible, I’ve never met anyone or even heard of anyone actually having an 850 FICO. [/quote]

I tried to cancel my Discover card a couple of weeks ago because I never use it. I was willing to take the hit on my FICO due to a smaller amount of revolving credit availability if I got rid of it.

Discover threw 3 people at me to try to convince me to keep it open. I agreed to do so just in the interest of saving time-it is a lot of work trying to close a credit card account.

I rewarded their effort by spending $37 with it.

The lesson learned is that no credit card company will ever make people pay to use their card even if they pay off the balance monthly and espcially if they have a client with a superior credit history.

That is important to keep in mind if somebody wants to charge you for the priveledge of carrying their card.

[Author]

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