Author Topic: Misc Credit Card Questions  (Read 1864597 times)

Offline Thingywingy

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Re: Misc Credit Card Questions
« Reply #6480 on: September 06, 2017, 01:43:18 PM »
Barclays sent me a Balance Transfer check on my M&M card at 0% for about 15 months with a 1% fee. I deposited check and than noticed I was charged 3%. I messaged them and was told that the offer had an expiration date of Aug 1, which I in fact do see now on the offer. Additionally instead of the 0% interest, the rate is 16.99%!I checked my BT offers on their website and see an offer for 0% for about the same time with a 3% fee. If the check expired why did they process it altogether?

Spoke to rep and they are being very unhelpful. They said they can't switch to current offer. I even offered to pay off balance right away and pay the 16.99% for the few days with the balance as long as I get back the 3% fee. "There's nothing we can do"....

I am sometimes accused of overthinking things. I am still mulling over whether that accusation has merit.

Offline 12HRS

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Re: Misc Credit Card Questions
« Reply #6481 on: September 06, 2017, 03:20:09 PM »
Barclays mainline reps are tough here. ask for supervisor and speak nicely. You should be able to get the 3% fee back but pay off the full balance asap as that interest will hurt.

Offline Thingywingy

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Re: Misc Credit Card Questions
« Reply #6482 on: September 06, 2017, 03:40:10 PM »
Barclays mainline reps are tough here. ask for supervisor and speak nicely. You should be able to get the 3% fee back but pay off the full balance asap as that interest will hurt.
I asked for supervisors supervisor. Nobody was available but they said someone will call back within 24-48 hrs.
I am sometimes accused of overthinking things. I am still mulling over whether that accusation has merit.

Offline hide4

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Re: Misc Credit Card Questions
« Reply #6483 on: September 06, 2017, 07:52:38 PM »
I asked for supervisors supervisor. Nobody was available but they said someone will call back within 24-48 hrs.
Had that yesterday somebody called back a few hours later.

Offline compddd

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Re: Misc Credit Card Questions
« Reply #6484 on: September 06, 2017, 11:43:35 PM »
I had to call Amex about something and was offered to upgrade my Amex ED to the EDP and get 25k for spending 2k, can I take advantage if I had the EDP sometime in the past?

yes

I don't think that's true anymore, spend posted on 9/2 and still nothing  :'(

Offline mmgfarb

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Re: Misc Credit Card Questions
« Reply #6485 on: September 07, 2017, 12:38:08 AM »
I don't think that's true anymore, spend posted on 9/2 and still nothing  :'(
The upgrade offers will be dependant on whether or not they have language, you can probably ask them to read the T&C's over the phone to be sure, although it's a little late now I guess.
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline JACKBLUE

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Re: Misc Credit Card Questions
« Reply #6486 on: September 07, 2017, 09:11:49 AM »
The upgrade offers will be dependant on whether or not they have language, you can probably ask them to read the T&C's over the phone to be sure, although it's a little late now I guess.
I never saw an upgrade offer with language.
I guess "you live and learn"!

Offline David Smith

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Re: Misc Credit Card Questions
« Reply #6487 on: September 07, 2017, 09:15:23 AM »


I never saw an upgrade offer with language.
I guess "they live and learn"!
FTFY
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline JACKBLUE

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Re: Misc Credit Card Questions
« Reply #6488 on: September 07, 2017, 09:16:01 AM »

Offline Thingywingy

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Re: Misc Credit Card Questions
« Reply #6489 on: September 07, 2017, 03:50:50 PM »
Barclays sent me a Balance Transfer check on my M&M card at 0% for about 15 months with a 1% fee. I deposited check and than noticed I was charged 3%. I messaged them and was told that the offer had an expiration date of Aug 1, which I in fact do see now on the offer. Additionally instead of the 0% interest, the rate is 16.99%!I checked my BT offers on their website and see an offer for 0% for about the same time with a 3% fee. If the check expired why did they process it altogether?

Spoke to rep and they are being very unhelpful. They said they can't switch to current offer. I even offered to pay off balance right away and pay the 16.99% for the few days with the balance as long as I get back the 3% fee. "There's nothing we can do"....
I asked for supervisors supervisor. Nobody was available but they said someone will call back within 24-48 hrs.
I missed their call and called them back. Ultimately they agreed to honor both the 0% APR and the 1% fee. Interestingly it sounded like the rep who called me was only willing to adjust APR not the fee, but the rep I called was very easygoing. BH!
I am sometimes accused of overthinking things. I am still mulling over whether that accusation has merit.

Offline yelped

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Re: Misc Credit Card Questions
« Reply #6490 on: September 07, 2017, 11:15:22 PM »
Great! Good to hear!

Offline hide4

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Re: Misc Credit Card Questions
« Reply #6491 on: September 07, 2017, 11:47:12 PM »

Offline Moshe26

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Re: Misc Credit Card Questions
« Reply #6492 on: September 08, 2017, 10:55:42 AM »
has anyone tried recently to book flights with MR? im trying to book DL tickets to TLV using my BP to get the 50
% rebate- im able to select the flight i want ,enter the info and all but when I click to book flight an error shows that product not available. I also tried under DW account and same error. the flight keeps going up in price and I want to book it already- any advise?

Offline chinagel

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Re: Misc Credit Card Questions
« Reply #6493 on: September 08, 2017, 11:20:07 AM »
has anyone tried recently to book flights with MR? im trying to book DL tickets to TLV using my BP to get the 50
% rebate- im able to select the flight i want ,enter the info and all but when I click to book flight an error shows that product not available. I also tried under DW account and same error. the flight keeps going up in price and I want to book it already- any advise?
call

Offline Moshe26

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Re: Misc Credit Card Questions
« Reply #6494 on: September 08, 2017, 04:02:10 PM »
call
I did call- we went thru the whole process and he got the same error. he says that the flight isn't available which doesn't make sense since it allowed us to pick it.

Offline chinagel

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Re: Misc Credit Card Questions
« Reply #6495 on: September 10, 2017, 11:09:10 AM »
I did call- we went thru the whole process and he got the same error. he says that the flight isn't available which doesn't make sense since it allowed us to pick it.
just had the same problem, wonder whats going on.

Offline MrKaplan

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Re: Misc Credit Card Questions
« Reply #6496 on: September 12, 2017, 01:42:00 PM »
If I make a credit card purchase and then cancel the credit card (Ty equifax) and then return the purchase how do I get the refund?

Offline SPLP

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Re: Misc Credit Card Questions
« Reply #6497 on: September 12, 2017, 02:23:27 PM »
If I make a credit card purchase and then cancel the credit card (Ty equifax) and then return the purchase how do I get the refund?

merchant will cr. card acct --u can ask to be sent a check after cr. shows --or wait 3 months and they will send w/out asking

Offline MrKaplan

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Re: Misc Credit Card Questions
« Reply #6498 on: September 12, 2017, 02:28:34 PM »
merchant will cr. card acct --u can ask to be sent a check after cr. shows --or wait 3 months and they will send w/out asking
Ty

Offline username

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Re: Misc Credit Card Questions
« Reply #6499 on: September 12, 2017, 02:31:06 PM »
When did WM stop taking CC for GC purchases?
Only cash or DC with PIN.
^^^