Author Topic: Misc Credit Card Questions  (Read 1943326 times)

Offline shulem92

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Feb 2015
  • Posts: 2981
  • Total likes: 143
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: Lakewood
Re: Misc Credit Card Questions
« Reply #5440 on: January 18, 2017, 08:36:36 PM »
AFAF: How can I be alerted immediately when someone applied for Cc or loan in my name? If they have my social and other info... thx!
If they're truly nervous for a legitimate reason, have them freeze their credit

Offline Wizard

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Dec 2015
  • Posts: 1505
  • Total likes: 12
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: New York
Re: Misc Credit Card Questions
« Reply #5441 on: January 18, 2017, 09:37:32 PM »
If they're truly nervous for a legitimate reason, have them freeze their credit
How do They go about freezing? Anything else they can do to be alerted and quickly call the back to stop it?
If you are trying to get my attention/assistance and I'm not responding, please feel free to PM me. :)

Offline shulem92

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Feb 2015
  • Posts: 2981
  • Total likes: 143
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: Lakewood
Re: Misc Credit Card Questions
« Reply #5442 on: January 18, 2017, 10:43:48 PM »
How do They go about freezing? Anything else they can do to be alerted and quickly call the back to stop it?
Contact the CB's and report that you think you may be the victim of fraud. There is always the paid route of lifelockô which will report any attempt in a credit pull

Offline Wizard

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Dec 2015
  • Posts: 1505
  • Total likes: 12
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: New York
Re: Misc Credit Card Questions
« Reply #5443 on: January 18, 2017, 10:50:14 PM »
Contact the CB's and report that you think you may be the victim of fraud. There is always the paid route of lifelockô which will report any attempt in a credit pull
Thank you. Will it be too late for them to cancel the application for CC/loan without pursuing criminal charges on the person that applied?
If you are trying to get my attention/assistance and I'm not responding, please feel free to PM me. :)

Offline shulem92

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Feb 2015
  • Posts: 2981
  • Total likes: 143
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: Lakewood
Re: Misc Credit Card Questions
« Reply #5444 on: January 18, 2017, 10:51:07 PM »
Thank you. Will it be too late for them to cancel the application for CC/loan without pursuing criminal charges on the person that applied?
Why don't you share the full story so we can attempt to help to our best

Offline as2

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Mar 2013
  • Posts: 5723
  • Total likes: 917
  • DansDeals.com Hat Tips 24
  • Gender: Male
    • View Profile
Re: Misc Credit Card Questions
« Reply #5445 on: January 18, 2017, 10:52:17 PM »
Thank you. Will it be too late for them to cancel the application for CC/loan without pursuing criminal charges on the person that applied?
I believe there would only be charges if you decide to charge.
Memories last forever, make them while you can.

Offline Wizard

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Dec 2015
  • Posts: 1505
  • Total likes: 12
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: New York
Re: Misc Credit Card Questions
« Reply #5446 on: January 18, 2017, 11:15:25 PM »
Why don't you share the full story so we can attempt to help to our best
You're right. My friend has a relative that is well meaning but is applying for cards/loans in my friends name to help my friend with higher interest loans etc. My friend would like to know how to prevent this from happening. My friend can do the credit freeze but it sounds like a hassle to call all 3 CBs and to have to call in whenever applying for card. If friend does LifeLock, and there is unauthorized application, will the well meaning relative get in trouble? Is there another option for my friend (other than talking to relative)
If you are trying to get my attention/assistance and I'm not responding, please feel free to PM me. :)

Offline shulem92

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Feb 2015
  • Posts: 2981
  • Total likes: 143
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: Lakewood
Re: Misc Credit Card Questions
« Reply #5447 on: January 18, 2017, 11:17:12 PM »
You're right. My friend has a relative that is well meaning but is applying for cards/loans in my friends name to help my friend with higher interest loans etc. My friend would like to know how to prevent this from happening. My friend can do the credit freeze but it sounds like a hassle to call all 3 CBs and to have to call in whenever applying for card. If friend does LifeLock, and there is unauthorized application, will the well meaning relative get in trouble? Is there another option for my friend (other than talking to relative)
Lifelock prevents any future credit pulls. If you sign up (its not so cheap), but anytime you want to apply for something you have to call lifelock first with your code and tell them "amex is going to be applying today" or else it won't let your credit be pulled

Offline Wizard

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Dec 2015
  • Posts: 1505
  • Total likes: 12
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: New York
Re: Misc Credit Card Questions
« Reply #5448 on: January 18, 2017, 11:29:06 PM »
Lifelock prevents any future credit pulls. If you sign up (its not so cheap), but anytime you want to apply for something you have to call lifelock first with your code and tell them "amex is going to be applying today" or else it won't let your credit be pulled
Thanks. So you think that's the best option?
With either option: will the relative attempting to apply get in trouble?
If you are trying to get my attention/assistance and I'm not responding, please feel free to PM me. :)

Offline shulem92

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Feb 2015
  • Posts: 2981
  • Total likes: 143
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: Lakewood
Re: Misc Credit Card Questions
« Reply #5449 on: January 18, 2017, 11:32:30 PM »
Thanks. So you think that's the best option?
With either option: will the relative attempting to apply get in trouble?
Nope. It just won't get approved. What u never got rejected from a credit card before? Lol

Offline PillanSmye

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Aug 2015
  • Posts: 1028
  • Total likes: 68
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Misc Credit Card Questions
« Reply #5450 on: January 18, 2017, 11:36:15 PM »
You're right. My friend has a relative that is well meaning but is applying for cards/loans in my friends name to help my friend with higher interest loans etc. My friend would like to know how to prevent this from happening. My friend can do the credit freeze but it sounds like a hassle to call all 3 CBs and to have to call in whenever applying for card. If friend does LifeLock, and there is unauthorized application, will the well meaning relative get in trouble? Is there another option for my friend (other than talking to relative)

There is nothing well meaning about that.  It's outright fraud.

Saying it "sounds like a hassle to call all 3 CB's" when someone is fraudulently applying for credit in your name (whoever's name) is perhaps the most asinine comment I have ever read and shows a very limited comprehension of the importance of one's credit files in today's world.

Offline ckmk47

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Aug 2012
  • Posts: 8044
  • Total likes: 1068
  • DansDeals.com Hat Tips 3
  • Gender: Female
    • View Profile
  • Location: brooklyn
Re: Misc Credit Card Questions
« Reply #5451 on: January 19, 2017, 12:27:32 AM »
........ (other than talking to relative)
Talk to the relative!!!
Tell them to stop 'helping' !
Either explain to the relative how the victim is handling it, or don't.  But tell him to stop applying without his express permission.
My favorite cause: cssy.org

Offline Wizard

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Dec 2015
  • Posts: 1505
  • Total likes: 12
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: New York
Re: Misc Credit Card Questions
« Reply #5452 on: January 19, 2017, 12:45:39 AM »
Nope. It just won't get approved. What u never got rejected from a credit card before? Lol
Thank you very much for your help. We'll see how much LifeLock is and see if it's better to take the hassle of locking all 3 reports.

There is nothing well meaning about that.  It's outright fraud.

Saying it "sounds like a hassle to call all 3 CB's" when someone is fraudulently applying for credit in your name (whoever's name) is perhaps the most asinine comment I have ever read and shows a very limited comprehension of the importance of one's credit files in today's world.
Talk to the relative!!!
Tell them to stop 'helping' !
Either explain to the relative how the victim is handling it, or don't.  But tell him to stop applying without his express permission.
Obviously that would be ideal but that's not where it's at.. thanks!
If you are trying to get my attention/assistance and I'm not responding, please feel free to PM me. :)

Offline shulem92

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Feb 2015
  • Posts: 2981
  • Total likes: 143
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: Lakewood
Re: Misc Credit Card Questions
« Reply #5453 on: January 19, 2017, 12:47:53 AM »
Thank you very much for your help. We'll see how much LifeLock is and see if it's better to take the hassle of locking all 3 reports.
Obviously that would be ideal but that's not where it's at.. thanks!
There are more companies then just life lock. Do you're research if you're looking for a deal...

Offline Wizard

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Dec 2015
  • Posts: 1505
  • Total likes: 12
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: New York
Re: Misc Credit Card Questions
« Reply #5454 on: January 19, 2017, 12:55:21 AM »
There are more companies then just life lock. Do you're research if you're looking for a deal...
Ok thank you 😊
If you are trying to get my attention/assistance and I'm not responding, please feel free to PM me. :)

Offline shulem92

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Feb 2015
  • Posts: 2981
  • Total likes: 143
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: Lakewood
Re: Misc Credit Card Questions
« Reply #5455 on: January 19, 2017, 05:08:36 PM »
capital one keeps sending credit card offers to my house. the problem is that I cant figure out how to stop it. its not to my name, and when I call the number on the paper to opt out, I cant go past the first question, as they want info which I don't know, and its an automated system. any suggestions would be greatly appreciated

Offline PillanSmye

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Aug 2015
  • Posts: 1028
  • Total likes: 68
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Misc Credit Card Questions
« Reply #5456 on: January 19, 2017, 08:40:47 PM »
capital one keeps sending credit card offers to my house. the problem is that I cant figure out how to stop it. its not to my name, and when I call the number on the paper to opt out, I cant go past the first question, as they want info which I don't know, and its an automated system. any suggestions would be greatly appreciated

Same as you do with all unwanted mail.  Get a sharpie.  Write: Return to sender -  Remove from list.  Drop in a mailbox

Offline shulem92

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Feb 2015
  • Posts: 2981
  • Total likes: 143
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: Lakewood
Re: Misc Credit Card Questions
« Reply #5457 on: January 19, 2017, 08:48:23 PM »
Same as you do with all unwanted mail.  Get a sharpie.  Write: Return to sender -  Remove from list.  Drop in a mailbox
Thanx

Offline Wizard

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Dec 2015
  • Posts: 1505
  • Total likes: 12
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: New York
Re: Misc Credit Card Questions
« Reply #5458 on: January 19, 2017, 09:10:25 PM »
Amex offering me 7500 points or $75 to keep PRG card open for 2nd year, pay $195 fee, and spend $1k within 3 months. I get another $100 airline credit so the AF will only be $95. Worth it?
If you are trying to get my attention/assistance and I'm not responding, please feel free to PM me. :)

Offline shulem92

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Feb 2015
  • Posts: 2981
  • Total likes: 143
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: Lakewood
Re: Misc Credit Card Questions
« Reply #5459 on: January 19, 2017, 09:11:39 PM »
Amex offering me 7500 points or $75 to keep PRG card open for 2nd year, pay $195 fee, and spend $1k within 3 months. I get another $100 airline credit so the AF will only be $95. Worth it?
So that's $20. Is it worth it?