Will ALL (most or some) credit card companies give in if you ask for a 0% or you'll close the account and transfer it to another that offers 0%? Does it depend on how've you been as a customer with on time payments, how much you have charged, etc? I've never low balled with credit card csr's so I'm looking for a little help before I call 2 of mine up.
A little about my credit card can be read below.....
I have a 0% that expires at the end of next month. I thought the balance would be paid off by then, but not going to happen now that I went overboard with Christmas and other things. It was for 9 months I believe and then it goes to 7.9%
I've had a Discover Platnium since 99 and finally got it where it's paid in full every month starting about 6 months ago. Those bastards have never sent me or offered me any kind of 0% balance transfer in the 5+ years I've been with them.
Bushdog
12-30-03, 06:33 PM
You have two options. One, just call and ask if they can do better, and many times, they'll drop it on request.
Option two is to tell them you've been offered a better rate (pick a rate) by a competitor (pick a competitor) and ask them if they can do anything for you.
LX98Civic
12-30-03, 06:40 PM
Originally posted by Bushdog
You have two options. One, just call and ask if they can do better, and many times, they'll drop it on request.
Option two is to tell them you've been offered a better rate (pick a rate) by a competitor (pick a competitor) and ask them if they can do anything for you.
I definitely have option 2 right in front of me with Citi. Just really don't want to open another credit card account. I applied for the GM card and it had a catch to it. They sent me some paper to sign and to supply some more information, but I shredded it. I take it the application will be thrown out if the reply is not sent within so much time. I think I'll call them anyhow just so they know I am not interested anymore.
When they say "Pre-Approved" does that mean you are 100% sure to get approved? I've been getting these 0% quite often lately. I think it's because I got a couple "collection" errors fixed, and also had my job of over a year updated which is double the income from the previous. Also, my debt is about GONE!
Thanks for the help!!
ADDED: Called Discover and the BT rate was 4.9% until March. I told her that did not want to leave but have this 0% pre-approved Citi card application that is good until July 2004. She "looked" again and the best she could do was 3.9%
Oh well, they give me the free Block Buster rental cards, so I've got to stay. ....I'm going to try my Capital One Visa (set to expire end of next month) sometime during the week....
Deftones
12-30-03, 06:42 PM
call them up, and say xxxxxx company has offered you a rate of xxxxx for six months on balance transfers, and xxxxxx for the life of the card. usually they will give in and drop it, but you may need to speak to a supervisor.
LX98Civic
12-30-03, 06:51 PM
Originally posted by Deftones
call them up, and say xxxxxx company has offered you a rate of xxxxx for six months on balance transfers, and xxxxxx for the life of the card. usually they will give in and drop it, but you may need to speak to a supervisor.
Yeah, if I can't get the 0% extended with Capital One I'm going to call Discover back and talk to a supervisor. 6 years, never late, offers all the time for 0% from others, and the best you can do is 3.9% for 3 months, WTF?
damn_skippy
12-30-03, 06:53 PM
I think it depends on what kind of car you drive and which bunk you happen to reside on.
brizz
12-30-03, 07:26 PM
Why don't you just roll over and ask your brother? ;)
ChiTownAbs, Inc
12-30-03, 07:35 PM
:lol: 3 responses before a Top Bunk reference.
Classic
LX98Civic
12-31-03, 12:29 AM
F**k you A**holes! $hit is sooooo damn old. You guys beat it to death in that one thread, hahaha. I'm just asking for some advice and you guys start talking your $hit! You guys are pricks!!! If I ever saw you in person and you said that I WOULD KNOOCK YOU ON YOUR F**KIN A$$!!!! You wouldn't say it in person, because you know it would get personal and a$$ whippin's would start. I NEVER talk $hit on the net because it's a joke too. But, you f**ks won't let it go. :MAD:
Anyhow, I'm moving out this year. Probably got a better job than you f**ks!!!!! I bet one of you is some old f**kin' slob who has NO LIFE and just trying to stir $hit up. YEAH, OLD FAT F**KS!!!! If the old is not right, I KNOW at least one of you is a FAT BASTARD!!!!
Goblincat
12-31-03, 12:32 AM
Originally posted by LX98Civic
F**k you A**holes! $hit is sooooo damn old. You guys beat it to death in that one thread, hahaha. I'm just asking for some advice and you guys start talking your $hit! You guys are pricks!!! If I ever saw you in person and you said that I WOULD KNOOCK YOU ON YOUR F**KIN A$$!!!! Top bunk that bitches!!!
Anyhow, I'm moving out this year. Probably got a better job than you dumb f**ks!!!!!
This one is gonna be classic.
Deftones
12-31-03, 12:32 AM
Originally posted by LX98Civic
F**k you A**holes! $hit is sooooo damn old. You guys beat it to death in that one thread, hahaha. I'm just asking for some advice and you guys start talking your $hit! You guys are pricks!!! If I ever saw you in person and you said that I WOULD KNOOCK YOU ON YOUR F**KIN A$$!!!! Top bunk that bitches!!!
Anyhow, I'm moving out this year. Probably got a better job than you dumb f**ks!!!!!
it's stuff like this that doesn't get you respect around here. is it right that they are bagging on you? probably not, but take it up w/ a mod, and not by acting like a 10 year old and calling everyone names.
LX98Civic
12-31-03, 12:33 AM
Originally posted by Deftones
it's stuff like this that doesn't get you respect around here. is it right that they are bagging on you? probably not, but take it up w/ a mod, and not by acting like a 10 year old and calling everyone names.
Dude I can care less about getting respect on this site. I used to be into the whole dvd thing, but now just visit every now and then. I don't care to take it up with a MOD. I just had to get that off my chest! It's f**kin' BS!!!!!
Venusian
12-31-03, 12:36 AM
whoa now. this is just the internet, calm down. everyone here is picked on, it comes with being part of the family. if you really dont like it and can't handle it, let a mod know and they'll take care of those posts.
damn_skippy
12-31-03, 12:37 AM
Oh look at the little rice boy get mad. :lol: It's party time now.
So do you and your brother share the star war sheets or do you guys have your own sets?
Deftones
12-31-03, 12:41 AM
Originally posted by damn_skippy
So do you and your brother share the star war sheets or do you guys have your own sets?
rotfl
Deftones
12-31-03, 12:42 AM
Originally posted by LX98Civic
Dude I can care less about getting respect on this site. I used to be into the whole dvd thing, but now just visit every now and then. I don't care to take it up with a MOD. I just had to get that off my chest! It's f**kin' BS!!!!!
Well, I'm just trying to broker the peace here. If you don't want to tell a mod, and you don't care about respect, I guess it's open season on you again. :lol:
LX98Civic
12-31-03, 12:43 AM
Originally posted by damn_skippy
Oh look at the little rice boy get mad. :lol: It's party time now.
So do you and your brother share the star war sheets or do you guys have your own sets?
Funny. Lets not even talk about my car. Not a single piece of Rice on it. 9.3 1/8th times biatch!!! Boost coming soon to destroy 99% of the cars on the streets. What are you driving? What kind of person are you to just talk $hit when I'm asking a serious question? It was all good in that one thread. Hell, I brought it upon myself. So, are you some fat bald bastard that lives in sin city and can't get a girl? I ask because you remember the bunk thing from sooooo long ago. Do you have a life?
Y2K Falcon
12-31-03, 12:43 AM
Originally posted by LX98Civic
Anyhow, I'm moving out this year. Probably got a better job than you f**ks!!!!!
New Year's Resolutions are sooooo great! It's touching! :up: *wipes tear*
Originally posted by LX98Civic
I bet one of you is some old f**kin' slob who has NO LIFE and just trying to stir $hit up. YEAH, OLD FAT F**KS!!!! If the old is not right, I KNOW at least one of you is a FAT BASTARD!!!!
You had me at "one of you". rotfl
LX98Civic
12-31-03, 12:47 AM
Originally posted by Y2K Falcon
New Year's Resolutions are sooooo great! It's touching! :up: *wipes tear*
You had me at "one of you". rotfl
Over 50% of adults are. So, I'm guessing at least one of you! Fat people hate when others talk about their weight. YOU KNOW IT FAT BOYS!!!!!!! Talk your $hit, suck a d!ck FAT biatches!
Venusian
12-31-03, 12:47 AM
why dont you jsut go with a 0% balance transfer card? are you that opposed to a new card? do you have too many that another could hurt your credit?
Goblincat
12-31-03, 12:49 AM
Originally posted by LX98Civic
Anyhow, I'm moving out this year.
They are finally throwing you out, huh? Dad getting mad because you are taking up his garage space?
damn_skippy
12-31-03, 12:54 AM
FYI
Moving to a tent in the backyard does NOT count.
Deftones
12-31-03, 12:57 AM
can we nominate this thread for "Thread of the Year 2003"? rotfl
Thunderball
12-31-03, 12:58 AM
Anyone wanna bet what 3 DVDS(look at his location) he still has?
Venusian
12-31-03, 01:00 AM
fast and the furious 1 & 2
Deftones
12-31-03, 01:00 AM
Originally posted by Thunderball
Anyone wanna bet what 3 DVDS(look at his location) he still has?
The Fast and the Furious
2 Fast, 2 Furious
Driving Miss Daisy
Am I right?
LX98Civic
12-31-03, 01:01 AM
Originally posted by damn_skippy
FYI
Moving to a tent in the backyard does NOT count.
Dude your killing me. It's so damn funny. Yeah right! Anyhow, what kind of work do you do? Married? What vehicles do you own? I looked at your profile and searched your threads but don't see anything related. I'm guessing Mid 30's, over weight, going bald, tries to play basketball (saw you have one), cheap as hell, barely making it in life, can't get a girl (saw the thread where you asked "have any good looking friends". Typical loser sums it up if I were to guess.....
Thunderball
12-31-03, 01:01 AM
Originally posted by LX98Civic
Dude your killing me. It's so damn funny. Yeah right! Anyhow, what kind of work do you do? Married? What vehicles do you own? I looked at your profile and searched your threads but don't see anything related. I'm guessing Mid 30's, over weight, going bald, tries to play basketball (saw you have one), cheap as hell, barely making it in life, can't get a girl (saw the thread where you asked "have any good looking friends". Typical loser sums it up if I were to guess.....
rotfl
YOu couldn't bemore wrong there .
Deftones
12-31-03, 01:02 AM
Originally posted by LX98Civic
Dude your killing me. It's so damn funny. Yeah right! Anyhow, what kind of work do you do? Married? What vehicles do you own? I looked at your profile and searched your threads but don't see anything related. I'm guessing Mid 30's, over weight, going bald, tries to play basketball (saw you have one), cheap as hell, barely making it in life, can't get a girl (saw the thread where you asked "have any good looking friends". Typical loser sums it up if I were to guess.....
Actually, damn_skippy is pretty successful. I won't post the personal details of his life, but he doesn't fit the description of what you posted.
LX98Civic
12-31-03, 01:03 AM
Originally posted by Deftones
The Fast and the Furious
2 Fast, 2 Furious
Driving Miss Daisy
Am I right?
No, Varsity Blues, Rush Hour 2, and Clerks which is not open.
TomOpus
12-31-03, 01:05 AM
Damn, I just got done reading his other nominated thread... and now here's a live one.
LX98Civic
12-31-03, 01:05 AM
Whatever! I'd school you in b-ball, take your girl if you had one (even thought she'd probably be $hit), beat your car from A to B, out lift you in the weight room, then beat your a$$ after all said and done.
damn_skippy
12-31-03, 01:05 AM
:lol:
Should i let him know or not?
Civic im curious who woke up first and found their present under the tree from Santa you or your brother?
Goblincat
12-31-03, 01:06 AM
Please no one ban him. How could we ever live with out this comedic value!
Deftones
12-31-03, 01:07 AM
Originally posted by damn_skippy
Should i let him know or not?
Civic im curious who woke up first and found their present under the tree from Santa you or your brother?
naaa, let him think he could do all those things to you. ;)
Venusian
12-31-03, 01:08 AM
Originally posted by LX98Civic
Whatever! I'd school you in b-ball, take your girl if you had one (even thought she'd probably be $hit), beat your car from A to B, out lift you in the weight room, then beat your a$$ after all said and done. well iwas trying to put the thread back on topic, but if you're gonna take the bait they're waving in front of you....oh well
Dah-Dee
12-31-03, 01:09 AM
Originally posted by Venusian
it comes with being part of the family.
Whatever! I'd school you in b-ball, take your girl if you had one (even thought she'd probably be $hit), beat your car from A to B, out lift you in the weight room, then beat your a$$ after all said and done.
Man, this is pure comedy. Unintentionally funny as hell.
Deftones
12-31-03, 01:11 AM
Originally posted by Venusian
well iwas trying to put the thread back on topic, but if you're gonna take the bait they're waving in front of you....oh well
as was I, but it doesn't seem that he wants to take the bait. He'd rather tell everyone his qualifications. :lol:
Venusian
12-31-03, 01:12 AM
just curious what kind of job you have, since you said its probably better than most of ours.
also, how much you bench?
Ergyu
12-31-03, 01:14 AM
Originally posted by LX98Civic
9.3 1/8th times biatch!!!
rotfl
Venusian
12-31-03, 01:15 AM
yeah, anyone want to explain what that means to those of us who don't speak rice?
Dah-Dee
12-31-03, 01:15 AM
Originally posted by Goblincat
They are finally throwing you out, huh? Dad getting mad because you are taking up his garage space?
I cannot figure out whats funnier
this;
Whatever! I'd school you in b-ball, take your girl if you had one (even thought she'd probably be $hit), beat your car from A to B, out lift you in the weight room, then beat your a$$ after all said and done.
Or this post, out of *****ing nowhere in the middle of all the chaos
why dont you jsut go with a 0% balance transfer card? are you that opposed to a new card? do you have too many that another could hurt your credit?
Civic, let me offer you advice, If you want to prove a point that EVERYONE else is an ******* and you are not, PLEASE do not refer to your;
-modified car
-basketball skills
-ability to steal girls and tap that ass
-weight lifting
-and kick ass skills
It just perpetrates the amazing image that you have forged here... seriously, theres not one thing that you say in these threads that in 5 years you wouldnt look back on and say 'what the **** was I thinking' (Im 5 yrs older than you, I know)
THIS IS NOT THE CIVIC ROOM AT AUTOMOTIVEFORUMS.COM! NO ONE CARES ABOUT 1/4 MILE TIMES (except maybe as a hobby, and they, I believe, do not base thier self esteem on it). Screaming about 'TAKING' my Accord 4 banger means NOTHING! NADA, I couldnt care less. Now I understand that amoungst your friends, 1/4 mile times mean EVERYTHING, but 99% of people on earth do not care, it just makes the thread more entertaining by allowing people to continue posting souped up, tricked out bunk beds.
Guys who talk about how much 'a$$' they could get...are obviously not getting enough. Any real man wouldnt talk about it constantly. Please, if your getting laid...THEN GETTING LAID WOULD BE SATISFACTION ENOUGH without having to talk about in on DVD talk.
Weight lifting and ass kicking...your 25 now, with a child...find something that every HS football player doesnt already brag about.
Now, do you realise that people here have posted more embarrasing things here than your top bunk saga? Why arent they tortured constantly? BECAUSE THEY DO NOT RESPOND TO EVERYTHING LIKE A 10 YEAR OLD!
So go put a huge aluminum wing on the back of your civic. Hit the gym, shoot some hoops, and talk shit about you babys mama, just dont say I didnt warn ya.
Venusian
12-31-03, 01:25 AM
i was just trying to help him, but looks like he ignored my post. oh well.
i think he left.
Dah-Dee
12-31-03, 01:27 AM
I was going to say something similar, like: Go have some bacon and syrup, it'll help you keep things real, aight?
damn_skippy
12-31-03, 01:29 AM
LX98Civic you gangsta son.
Pharoh
12-31-03, 01:35 AM
Originally posted by TomOpus
Damn, I just got done reading his other nominated thread... and now here's a live one.
A rare but memorable occurrence indeed. Good times.
The thing is, when I read the first two posts, expecting the worst, I thought this thread was going to make it, despite everything being against it. How wrong I was.
And I think Venusian's post was funnier, at least to me. :)
Good luck in life LXCivic, good luck.
Y2K Falcon
12-31-03, 01:39 AM
Originally posted by Venusian
just curious what kind of job you have, since you said its probably better than most of ours.
Hey.... we can't ALL be airport security checkpoint employees, can we? -rolleyes-
Tommy Ceez
12-31-03, 01:41 AM
I must admit, that I got amazingly pumped when I read this;
'I think it depends on what kind of car you drive and which bunk you happen to reside on.'
Hey.... we can't ALL be airport security checkpoint employees, can we?
Do you realise that those guys stand around together for hours at a time, can you imagine 5 normal adults having to listen to shit talking about civic mods, banging the shorty working the x-ray machine, lifting, balling, and babies mama complaints for an entire shift? That airport might rival the local post office for work related 'snapping'.
Big Quasimodo
12-31-03, 01:49 AM
Originally posted by Venusian
also, how much you bench?
Buy: