New Bank Policy on Credit
Posted By: sm on 2009-01-02
In Reply to:
I went to the bank today to apply for a new line of credit... they had this sign posted outside the door.
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Talk to a local bank or credit union.
That is a HUGE downpayment and that will more than likely offset any bad juju as far as credit rating. You may be pleasantly surprised...we were and we also had crappy credit but because of the large downpayment, that worked in our favor and were able to get an incredible rate with a local bank. Above anything else, avoid those pieces of crap you see advertised on TV and on the computer. Nothing but predators that should be smacked upside their heads with a 2x4.
This is total BS ! Every policy policy must have a beneficiary!..nm
Even one's bank accounts have a beneficiary named!
Why does closing a credit card account negatively affect your credit report
Especially when I never use it anyway, and really never wanted it?
With all the bank rearranging going on in the past few months, one of my accounts was tranferred to Bank of America. I was sent new cards and a new agreement, new interest rate etc...
So I called them up and cancelled but before they did, I had to listen to a spiel about how this would negatively affect my credit report.
Huh?? Why is that?
How is he going against any policy? He is not
reading passages to the students, it is just on his desk. Even though they have taking organized prayer out of the school, each individual has the right to pray during school, and any student can bring their Bible to school and read it during breaks, etc. No violation as far as I can see.
I also saw an IVF doc on TV who said that it is actually against their policy to do IVF.....sm
in these circumstances, he basically condemned the doctor (and of course he does not know who the IVF doc was), and said that the doctor would be going against medical ethics to use IVF on a fertile woman who already has six children, that the procedure was meant for infertile couples, and that the doctor was really going against sanctioned medical rules in this case....I have to wonder why, I understand that the girl could be psychologically ill and unbalanced, but does that mean that her parents and the medical community had to go along with her distorted fantasies........how cruel is it to bring children in to the world you cannot possibly provide for, just for your OWN sick gratification.....and if young girls are seeing this, how many chldren can the government possibly fund for 18 years??? I am so thankful and blessed with my children, but we stopped having children when we knew we could only truly and adequately support the babies we already had. This is unbelievable!
The best policy is
I don't recommend lying. Your mom needs to learn something anyway.
If she can't understand your reasons (no matter what they are), it should be her issue, not yours.
I just tell them I have a personal policy
related to telemarketing and take my number off their list. They have to do that by law once you tell them. Eventualy the calls do stop.
Wow..wish we had a nit free policy. sm
I agree she DOES NOT need to be in school. This family has been educated on lice and the health department came to help them clean last year. They are just LAZY. I do not need to embrace the family and help them clean up the lice like the above poster mentioned. I am with you...nit free policy and no school if they have them!
There was no name listed at all on his policy
Out of his wife, his children (2, me being 1 of those) I was the only living child. When I was contacted about the policy, I was told they would try and find the heirs (my brothers 2 children who then would half my brother's share as brother had died in 1973). My father died in 2004. These children were not located by the insurance company in a year and they sent me the balance. I knew they were entitled to the other half as my brother's heirs but not found. Probably good thing in the long run, sometimes others in charge know because both children were druggies, in trouble with the law (girl 37, died in 2007)and had they been found, might have caused their demise earlier than real life did. Father's estate not probated as he wanted to give most everything away prior, had all arrangements made as far as his funeral down to having things paid for and even the music selected.
How come?? Every policy NEEDS a beneficiary!...nm
nm
I never saw the policy, never knew he had
He could have made it out to his second wife (who died before my father) but I have no idea. I was contacted saying I had insurance money coming to me. I had to furnish a death certificate of my brother, my stepmom and then they asked for names of kids of my brother, last known address. An insurance company is pretty thorough when getting information. They do not take just at face value. They do their work before paying out the $$$$.
eBay policy states.....sm
that the sender has 30 days to send the product. If they don't or can't prove they sent it then you can file a complaint with eBay, and they'll check with the seller who will have to either prove they sent the item (i.e. provide postal information with confirmation #s, insurance information, etc) or the seller will have to refund the money. They do tell you that if the seller has "disappeared" that they may not be able to get the money back; however, at the same time they will block them from selling again. My husband & I have bought a lot of stuff on ebay as well as sold a lot. We always ship within 72 hours and most items we've won we've received with a week. I did have one purchase that the seller kept coming up with excuses for not sending it until the 30 days came and eBay contacted her to ship it or else and she finally sent it... but she did refund my shipping fees because of the aggravation and she wasn't asked to do that.
Depends upon company policy.
When I was a waitress at a restaurant, we had to pay for our own food. However, we got to eat "mistakes" instead of tossing the food out. One of my kids works at a restaurant and employees only get discounts.
Wal-Mart corporate policy states....sm
that if you ask the person at the kiosk overseeing the self-check out lines to check you out they have to. Wal-Mart has gotten a bad reputation for not hiring people and then claiming their lack of check out lines being manned by humans is due to not having enough staff. Bull crap - if you pay well you can get good employees. I NEVER check myself out and provide free labor. I rarely go there but when I do, if there's more than 4 people in line ahead of me then I go to the self-check out lines and have the person overseeing them check them out. A couple of times they gave me flack about it and I requested the store manager be called... and then the store manager made them ring me up because the manager knew it was corporate policy.
My husband has asked the manager why they even have 20 checkout lines when he's never seen more than 2 cashiers working at any time of the day. Good question I say!
I wouldn't want to make policy on this issue
With my own cats, though, I have always harness trained them. You put a harness on them instead of a collar and hook the harness to a long leash that's clipped to the clothesline. They can run up and down the length of the clothesline and it seems to satisfy their need to be outside. They can chase butterflies, watch squirrels, and sniff all the good smells that are out there. I didn't want them running loose because there are too many things that are dangerous and could hurt them. I also didn't want them getting into neighbor's trash.
I'm not in favor of cats running loose b/c it's too likely they'll get run over or otherwise hurt, but I'm not sure it's as bad as the article states. Atleast not with domestic cats. Sounds to me more like a feral cat problem. They need to know for sure before making laws that might not even fix the problem.
New high school cell phone policy
Friends of our work at a local high school. That school has become fed up with cell phone usage in their school, so they have become rather devious.
If a cell phone is caught ringing, the teacher takes it and sends it to the office. The only way the student can get their phone back is if the parent come to pick it up. Even if the student is 18.
But the nifty thing? The V.P. scrolls through the address book and tries to identify some of the other students. Then she goes to their classroom, stands outside the door and calls their phone from the confiscated phone. If she catches the student answering the phone - automatic Saturday school.
Sounds almost like entrapment.
I have had luck with QVC. A little pricey, BUT, great return policy and good selection. This is a gr
to buy a swimsuit - very low prices. Oh, how could I forget? I got a really cute bikini on ebay this spring and I loved it! I don't walk around wearing a bikini, but I do like to wear bikini tops around our pool and it was a really nice piece. It was around 5.00 brand new. Good luck.
I pay most through my bank
Most banks offer a bill payment option. I get to pick and choose when and what and how much. I love this option as I generally seem to forget to buy stamps! Out of all my household bills, only one is not paid online and it is simply dropped off.
Does anyone not use a bank?
I'm getting so sick of fees and am tired of trying to second guess my bank. Does anyone not use one or not have a checking account?
use a bank
I would recommend trying to find a credit union. They are more user friendly. I have been using one for over 15 years now and never looked back. There are Very few, if any fees and good service. Hope this helps.
bank
I have used a credit union for 31 years. If you can find a credit union in your area, it is the best way to go if you think you have to have a bank. I only have a savings account at a credit union so I can cash my check for free, but I still have to deposit some of it or they will charge me. Otherwise, Wal-Mart will cash your check for a fee and you can buy money orders for like 35 cents a piece at Wal-Mart. that works for me cuz I only have 6 bills, mortgage, gas, lights, water, car insurance, phone to pay. Or listen to financial guru's like Dave Ramsey and see what they have to say about it. Also there is checkfinder.com. They have some rules but may be the best way if you feel like you have to have a bank/checking account.
If it is like my bank they will cover you up to $500 -sm
and you have 3 days to payback the bank, which you already did. You did not have anything bounce, so no one will have notices saying not to accept your checks. The bank will be charging you though for their service of covering for you, so you may need to put in another $100 or so to cover that before Friday, check with the bank. You can probably manage your account on-line, check into it, great way to make sure you don't over draw yourself. I try to keep $1000 in the savings account for such emergencies, also with my bank they will automatically transfer the money in from savings to checking if I do overdraft for no charge since I have the money there.
You should have just cashed it at their bank - sm
I know in the past that a bank had to cash a check drawn on their bank; they may charge you $5 to do this if you do not have an account there (I have had that happen recently. Did that years ago when an ex-boyfriend owed me money, took me 2 months to beat $150 out of him; day I got the check from him I took it to his bank and cashed it to be on the safe side.) I have no idea what they do if the funds are not there, but was under the impression they had to cash it no matter what. But if you deposit it, and it bounces you will not see a dime of it and the bank will charge you a couple bucks for their inconvenience. The store will get slammed with a bounced check charge though. The bank should mail the check back to you if it does bounce though so you can re-deposit it at a later date hopefully when the funds are there; at least that is what mine would do when a former employers checks to me would bounce from time to time (and I would be charged $3 for it bouncing which stunk). If you deposited before 2 (sounds like you did not though) you will have the money tomorrow, if it was after 2 then it wil be there on Friday; check in the morning of whichever day is applicable and you will have your answer. Good luck.
I really do not resemble a bank so therefore
do not loan, give money away. The best way you can lose a friend or family members is when money gets involved. I, in your instance, would put distance between me and the other person, sounds like just using a good thing.
I said closing the bank...
…NM
Yes, and we have separate bank accounts ;)
x
Anyone who has banking with Bank of America
you might want to know that the CEO of this bank has decided to let illegals have accounts here in the United States. No matter they are here illegally. I am in the process of changing banks.
Used to work in a bank, under some circumstances...
they will waive the fees, as another poster said, call them and explain the situation. I would do this occasionally after looking over the person' s account and taking a few things into consideration. Overdraft protection, as stated before, is a great idea too. I keep a $400 to $500 cushion in my account; as far as I am concerned, when I only have that much in there I consider it $0. BTW, how can you not know when DH gets paid? Is he on commission or something? Good luck, call the bank, they should be able to help you.
Also at my bank if you have direct deposit
of your paychecks you can get a direct deposit advance on your check and that does get posted to your account immediately. Has saved my butt more than once! LOL
If you are serious contact the seller/bank- sm
and make an offer. How low they will go depends on how long they have been trying to sell, what they have invested in it. IF the previous owners owed a lot on it, the bank will probably still want fair market value. Years ago I thought about buy the house next door to my parents (about 3500 sq ft with a huge 2 car garage and an old pool that either needed to be filled in or total destroyed and redone), I went through it with the relator. The house was about 30 years old then, the previous owners and their 6 kids had basically destroyed it, burned/scratched up hardwood floors, broken doors, windows, etc. the kitchen was original from 1964 as were the bathrooms, etc. It needed lots of work, a new roof, you name it, it needed it. The bank would not take less than $200K-- I was not willing to spend that kind of money on a house that needed at least $100K worth of work on it. They eventually got some sucker to pay it though; and boy did they spend some cash on it. Looks great now and work about $400K at least, but they probably spent that much to fix it and buy it. --- one note of caution when you buy a forecloser though, I believe previous owner has a year to reclaim the property-- if they show up with back payments in hand, etc. they can take the house back from you, improvements and all and you do not get a penny back. So be subtle in your home improvements or wait a year to do anything major.
My bank has free on-line pay so I pay all
of them except 1 that I have to send in the paper account info on. I also like on-line paying because I can set up my payments in advance for the due date when the bills come in and don't forget to send something in.
Check to see if your bank has any programs
Wachovia has a "way to save" account. Every time your use your debit card, they take $1 out of your checking account and put it in a savings account. We have been doing that for about a year now and have built up about $1500. It's nice because it's automatic and you don't even have to think about it.
I have 4 bank accts and pay no fees at all.
nm
"I ran over your mother in line at the bank
That was a cute game!
he did not handle money at his last job with a bank.
Just because a person has bad credit, does not mean he's dishonest. He did not bounce checks. He did not live beyond his means. He got caught in a layoff. It's a huge stretch from being jobless to embezzlement for crying out loud. There are many jobs at a bank that do not have anything to do with money.
The way things are going with this economy, some of you might be in this situation. I'll be sure to thumb my nose at you when you start wondering what happened.
Is there a debit card available where a bank
?
How can he check bank accounts
I have my own accounts, that is right, mine, not his. He is not allowed to see my accounts. I have more than him and I do what I please with MY money. I made, received,and had before our marriage so literally it is mine.
file garnishment on bank account
so it hits his account the same day he deposits pay checks (usually Friday).
Lawsuit! How to find a company's bank?
Ok, this is it and hope you can help me. I purchased a dinette suit 04/01/2006. The company said 4-6 weeks before delivery. Paid $640.93. I never got my furniture. I called, got very few calls back from them and finally decided last July after asking for my money back to file a lawsuit. The company did not answer the first filing in 45 days and then had to put in for a default. Just went to court today finally and got a default. By the way, the company did not appear in court!! Now I can go for a garnishment of the company with this documentation but do not have a clue as to where I would find out which bank this company does business with. If anyone able to give me any insight on this, I would appreciate it. Thanks.
no, nobody knows but the bank, they will cover checks you wrote
nm
Either the bank or Military Surplus store.
There would be only two reasons for me to run away from my home. One reason would be voluntarily, as in winning the lottery--hence the bank. The other would also be voluntary but there would be retribution involved--hence the Military Surplus store.
Either online or by phone with bank card. sm
I can't even remember the last time I mailed a check to anyone.
I'll bet Bank of America isn't liking this
In a revealing example of what she says the average homeowner faces, a California Congresswoman spent more than two hours on the phone trying, without success, to find someone at the Bank of America who could help a struggling constituent modify his mortgage payments. ABC News "Nightline" cameras were rolling as Congresswoman Maxine Waters (D-Ca.) was repeatedly put on hold for long stretches, disconnected, transferred to extensions that did not work and ultimately switched to a recording which directed her to the bank's website.
"The average American trying to negotiate a loan modification will not be able to get it done," said Waters. "It will be impossible for them to get in touch with the right person, and even if they get in touch with a so-called counselor, they have a cookie cutter kind of direction that they go in."
Heard several weeks ago about bank scam
My husband received email the other day from Bank of America asking him to update his files, which of course includes social and the like. We had heard and funny because he does not even have an account there. I also received a call from a person who said she represented BOA wanting to know how I was enjoying my acct. Told them working, no time to talk.
Did you talk to a bank or mortgage company and see if you can get pre-approved? Seems
s
Change your bank account on file with Vonage Right NOW!
nm
Well, in a bank he would be handling money, so I think it's a legit reason to not hire. sm
To me, it makes perfect sense to not hire someone based on poor credit when that person would be working in an environment such as a bank, handling funds, etc. I see less reason to do so in other jobs, but in a bank, sure, it seems only logical to me. Sorry.
credit
My girlfriend did use the service. It worked great for them. It also put all their payments in one. The only thing is you need to watch what "items" you put under the service because it will keep you from purchasing items for so many years.
credit
I have used Consumer's Credit Counseling Services locally. They were wonderful to me. Put me on a generous budget, put all my bills under one payment (had to cut up all credit cards - which was a blessing and freedom after I got used to it), cut the credit card interests way-way-down or to none, and finally got everything paid. At first there was no charge from them, but later I paid $5 a visit, but I imagine they have surely put a low charge now. They were pretty strict with me (which I needed), but it worked. They were always accessible to talk with, which I really liked too. Also it was nice to refer callers to them, saying, "I am a client of CCCS and they are helping me" and not have to deal with the callers any more. In fact, after they were notified of intent to pay by CCCS they never called again.
Good luck. It meant freedom to me.
credit
I did hear that credit counseling is reported to the credit bureaus, but so are late payments, over-limits, missed payments, etc., etc. so ultimately I don't imagine it could ding your credit score any worse.
credit
I don't know the answer to that. We have only bought cars and a house on credit since then. Be sure to talk to the credit counselor before signing up and find out. They will know.
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