I feel like I have been on a roller coaster with this moving situation, first I'm up, then I'm down. Current status: UP. Future hubby and I just got back and we found great potential. Also while we were down in the durty durty (south) we knocked off some items on out "wish"list (see next column): computer desk, massaging pillows, paper shredder and home phone. We are still trying to tackle that desktop computer... it's comin'.
I was out of town this weekend but my BofA secured credit card account that I was struggling with started reporting to 2 out of the 3 credit reporting agencies. That was pleasant to come home to see! Now I'm just waiting on CJ to report and Transunion and Equifax to re-send my info.... then it's time to start slashing and splashing my credit history!
Showing posts with label Bank of America. Show all posts
Showing posts with label Bank of America. Show all posts
Monday, July 23, 2007
Tuesday, July 17, 2007
one step towards mankind
Yesterday my fian and I got our first card together... Sam's Club membership. It is a start! I was so excited too but I took the worst picture! Oh well. I thought a membership to Sam's Club was sooooooo exclusive but they said they can sign us up right then and there. And we got 2 free soccer balls for signing up. I love window shopping at Sam's.. Therefore I put a "wish"list on my blog for the items I want to purchase from there for our place.
I was up till 2am last night packing! I just found out instead of being packed and ready to go by August 4... I have until this Friday to get my s#$%^ together. I am tired and definitely don't want to be at work or go to class. I am half anxious/excited to be moving. At first I was terrified yall but the new and unknown has me excited.
I am still waiting by the mail for BofA to send and report my card. I'm not holding my breath though... they are a little on the slow side, if you know what I mean.
By the way, fian and I have yet to "set a date" after the engagement. I have to get graduated and get a job and we both have to get moved!
I was up till 2am last night packing! I just found out instead of being packed and ready to go by August 4... I have until this Friday to get my s#$%^ together. I am tired and definitely don't want to be at work or go to class. I am half anxious/excited to be moving. At first I was terrified yall but the new and unknown has me excited.
I am still waiting by the mail for BofA to send and report my card. I'm not holding my breath though... they are a little on the slow side, if you know what I mean.
By the way, fian and I have yet to "set a date" after the engagement. I have to get graduated and get a job and we both have to get moved!
Tuesday, July 10, 2007
from scratch
Well I had to go toe-to-toe with Bank of America yesterday, the thing is, on June 30 I was strolling around looking at all the things I shouldn't buy when it dawned on me to inquire about getting a secured credit card with one of the local banks. I finally ended up at Bank of America (BofA for short), I told the personal banker what my goals are and he was quick to sign me up and even tried to push the Bank America checking account. So we sat down he entered all my information in the computer ans said YES! I qualify for a secured credit card. So I gave the man my money order and he said I should have a card in the mail in about 10 days, well no less than 7 days later... I get a denied letter stating you were denied for the credit line that you were seeking but you have been PRE-APPROVED for a SECURED CREDIT CARD! I'm thinking to myself, are they smoking crack? I just applied and gave BofA my money and you told me I was denied and yet pre-approved for the same card AND not only that, they pulled my credit report 4 times AND not only that my funds were deposited into a savings account meaning that I have no card with them but they made sure I signed up for their savings account by default!
In my fury, I called the customer service 888 number and the slow woman on the other end said... oh well if you don't want the card just go into a local branch and you will have to cancel the account. I hung up on her. I felt an injustice in my bones. I called the banker that I opened up the account with, got on my soap box and started spitting everything out. He was like hold on, hold on, let me get your name, SSN and phone # and I will call you right back. Well by the end of the day (6pm) he called me and said, ohhh ms.voad don't worry what happens is: (listen to this yall) no matter what card you are applying for with BofA, they input all your information into a general application and whatever you get approved for is what they send you in the mail. He said ms.voad your information was entered as a general application and you were only pre-approved for the secured card...well duh!
So he told me that he will pull the money out of my savings account, write a cashier's check for the card and I should receive the card in 10 days (I won't hold my breath this time but it sounds good). Ok that last part was kinda bad, he did seem very apologetic about how everything happened but was assured that I will have to do nothing except sit by the mail box and wait for my card. Low-and-behold, I checked my BofA account today and it said that a deposit was done from BofA. So I should be all good.
When I tell yall I am starting from scratch I am really starting from scratch... it may not have hit what some may call rock bottom but I'm willing to climb my way to the top. Baby steps yall!
income-ing: well I am extremely excited. I have been receiving little spurts of income, first something that I thought I wanted I put a non-refundable deposit down back in March-ish... I thought all hope was lost until I decided not to pay the remaining balance and write the company an email saying that I didn't want their product, they thanked me for my business and yesterday I got my refund in the mail- $250! I just check my online earnings for this pay period and it seems I am getting two checks deposited into my account for payday, DON'T TELL NO BODY! and I'm getting a refund back from the bank- $49, and one uncleared check from last payperiod- $125 also a refund credited for a train ticket I did not use- $27, all total a fat $905. So some of the money was once mine but all of that is hitting my savings for "fiance and me'z" moving fund.
In my fury, I called the customer service 888 number and the slow woman on the other end said... oh well if you don't want the card just go into a local branch and you will have to cancel the account. I hung up on her. I felt an injustice in my bones. I called the banker that I opened up the account with, got on my soap box and started spitting everything out. He was like hold on, hold on, let me get your name, SSN and phone # and I will call you right back. Well by the end of the day (6pm) he called me and said, ohhh ms.voad don't worry what happens is: (listen to this yall) no matter what card you are applying for with BofA, they input all your information into a general application and whatever you get approved for is what they send you in the mail. He said ms.voad your information was entered as a general application and you were only pre-approved for the secured card...well duh!
So he told me that he will pull the money out of my savings account, write a cashier's check for the card and I should receive the card in 10 days (I won't hold my breath this time but it sounds good). Ok that last part was kinda bad, he did seem very apologetic about how everything happened but was assured that I will have to do nothing except sit by the mail box and wait for my card. Low-and-behold, I checked my BofA account today and it said that a deposit was done from BofA. So I should be all good.
When I tell yall I am starting from scratch I am really starting from scratch... it may not have hit what some may call rock bottom but I'm willing to climb my way to the top. Baby steps yall!
income-ing: well I am extremely excited. I have been receiving little spurts of income, first something that I thought I wanted I put a non-refundable deposit down back in March-ish... I thought all hope was lost until I decided not to pay the remaining balance and write the company an email saying that I didn't want their product, they thanked me for my business and yesterday I got my refund in the mail- $250! I just check my online earnings for this pay period and it seems I am getting two checks deposited into my account for payday, DON'T TELL NO BODY! and I'm getting a refund back from the bank- $49, and one uncleared check from last payperiod- $125 also a refund credited for a train ticket I did not use- $27, all total a fat $905. So some of the money was once mine but all of that is hitting my savings for "fiance and me'z" moving fund.
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