by Tdarcos » Thu Sep 03, 2020 3:14 am
I've been worried for quite a while - several months - that I was going to lose one of my precious credit cards. I have one from Chase, I used it to charge an $80 charge by mistake, I don't normally use it, it has a $2,000 limit and I save it for serious emergencies. I'll never have good enough credit to get a (decent) credit card again for probably a long time.
By "decent" credit I do not mean cards from bottom fishers like First Premiere Bank or Credit One Bank (not to be confused with Capital One, although Credit One designs their logo suspiciously to look like Capital One). a decent credit card has no annual fee, might have some reasonable credit limit, say at least $1,000, and maybe perks like cash back.
Goniffs like First Premeire offer a $700 credit limit, and the card is so larded with fees, that is reduced by about $200.00. I shit you not: $95 application fee, $75 first year fee, and some other fee I can't remember but it states your credit limit will be reduced by the amount of the fees until you pay them leaving you with about a $500 credit line. Banks like these used to offer cards with a $300 limit until they ate all the low hanging fruit and I guess nobody would pay $90 for a card with less than $300 left.
Anyway, ordinarily i don't use my Chase card as I have a card from Citibank that I normally use because it's a "Double Cash" card; 1% cash back on charges and 1% back when you pay the bill; in fact, this is the card I use to pay my room bill here as it gives me an extra $26 in cashback each month. It's already set up so that I can just have them withdraw payments i authorize from my share draft (checking) account at my credit union, plus I have automatic payment, if something goes wrong and I am unable or forget to pay my bill Citi automatically charges my credit union checking account for the minimum monthly balance, preventing any late charge.
Unfortunately I did not have my checking account registered with Chase, and for security reasons Citibank never shows you anything but the last 4 digits of the checking account number, so I can't get it from them.
Oh well, I can just look at my checks, only those are from a bank where the account was closed. My credit union uses what is called a "master account number" that is private to me; this is the number that appears on my statement. Let's say the master account number was 234567. The share account (savings) would habe a public number if used for direct deposit, let's say it was 432001. Internally it would be 234567-00. my checking account number on checks might be 333222 but internally it was 234567-10.
For security reasons the credit union won't give out account numbers over the phone. To ask for anything I'd have to write them a letter with a photocopy of my driver's license, and getting anything like that done around here is like pulling teeth.
So I'm thinking I'm going to lose my Chase credit card over a lousy $80 bill that I have more than enough money to pay it. Then I remember: my credit union has a mobile app, and unusual for this, the mobile app has a feature the website does not. The mobile app does show you the routing number and account number. So I'm able to get it to work, I get the number, after reauthnticating myself to Chase, I'm able to add my credit union as a funding source, and I can pay the bill, which is now $127 from late fees. But at least I won't lose my card now.
And all is right with the world.
I've been worried for quite a while - several months - that I was going to lose one of my precious credit cards. I have one from Chase, I used it to charge an $80 charge by mistake, I don't normally use it, it has a $2,000 limit and I save it for serious emergencies. I'll never have good enough credit to get a (decent) credit card again for probably a long time.
By "decent" credit I do not mean cards from bottom fishers like First Premiere Bank or Credit One Bank (not to be confused with Capital One, although Credit One designs their logo suspiciously to look like Capital One). a decent credit card has no annual fee, might have some reasonable credit limit, say at least $1,000, and maybe perks like cash back.
Goniffs like First Premeire offer a $700 credit limit, and the card is so larded with fees, that is reduced by about $200.00. I shit you not: $95 application fee, $75 first year fee, and some other fee I can't remember but it states your credit limit will be reduced by the amount of the fees until you pay them leaving you with about a $500 credit line. Banks like these used to offer cards with a $300 limit until they ate all the low hanging fruit and I guess nobody would pay $90 for a card with less than $300 left.
Anyway, ordinarily i don't use my Chase card as I have a card from Citibank that I normally use because it's a "Double Cash" card; 1% cash back on charges and 1% back when you pay the bill; in fact, this is the card I use to pay my room bill here as it gives me an extra $26 in cashback each month. It's already set up so that I can just have them withdraw payments i authorize from my share draft (checking) account at my credit union, plus I have automatic payment, if something goes wrong and I am unable or forget to pay my bill Citi automatically charges my credit union checking account for the minimum monthly balance, preventing any late charge.
Unfortunately I did not have my checking account registered with Chase, and for security reasons Citibank never shows you anything but the last 4 digits of the checking account number, so I can't get it from them.
Oh well, I can just look at my checks, only those are from a bank where the account was closed. My credit union uses what is called a "master account number" that is private to me; this is the number that appears on my statement. Let's say the master account number was 234567. The share account (savings) would habe a public number if used for direct deposit, let's say it was 432001. Internally it would be 234567-00. my checking account number on checks might be 333222 but internally it was 234567-10.
For security reasons the credit union won't give out account numbers over the phone. To ask for anything I'd have to write them a letter with a photocopy of my driver's license, and getting anything like that done around here is like pulling teeth.
So I'm thinking I'm going to lose my Chase credit card over a lousy $80 bill [i]that I have more than enough money to pay it[/i]. Then I remember: my credit union has a mobile app, and unusual for this, the mobile app has a feature the website does not. The mobile app does show you the routing number and account number. So I'm able to get it to work, I get the number, after reauthnticating myself to Chase, I'm able to add my credit union as a funding source, and I can pay the bill, which is now $127 from late fees. But at least I won't lose my card now.
And all is right with the world.