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InvisibleModestMouse
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Registered: 05/06/13
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Loc: Upstate
My credit card company is surprisingly kind? * 1
    #23966967 - 12/29/16 10:38 PM (7 years, 1 month ago)

Wow a cool thing happened today. Called my credit company to finally pay some of my card off and they asked if I had financial hardship recently (I was late on paying) so I told them I lost my job. They said that since I was a member for 2 years they are sending me $100 check in the mail, no strings attached in a gesture of good fortune.
:mindblown:
My mind is pretty blown. I didnt even have to provide her with proof of termination she just offered it. Has anyone heard of this? She ensured me it was purely a gift from the company.

Thinks are lookin up a wee bit.


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InvisibleDestitute
floss daily
Registered: 11/28/12
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Re: My credit card company is surprisingly kind? [Re: ModestMouse] * 1
    #23966980 - 12/29/16 10:42 PM (7 years, 1 month ago)

Damn, what company? I need to get with them!!


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InvisiblePrisoner#1
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Re: My credit card company is surprisingly kind? [Re: ModestMouse]
    #23966985 - 12/29/16 10:44 PM (7 years, 1 month ago)

are you banking with wells fargo?


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InvisibleModestMouse
IM WALKIN ON SUNSHINE
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Re: My credit card company is surprisingly kind? [Re: Prisoner#1]
    #23966994 - 12/29/16 10:48 PM (7 years, 1 month ago)

Discover
Its a Student card or something but pretty basic


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Invisiblepirate-blues
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Registered: 10/15/12
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Re: My credit card company is surprisingly kind? [Re: Destitute] * 4
    #23966995 - 12/29/16 10:48 PM (7 years, 1 month ago)

That's so nice of them!


It honestly would not surprise me if the company gave their employees a certain number of 'gifts' like this they could give out to people during the holidays. As evil as banking institutions sometimes seem..I work in the nonprofit sector and a lot of our large grants(100k+) are from financial institutions such as BOA, PNC, Beneficial...and even evil non financial companies such as Comcast and Aramark have higher ups working for them who are incredibly eager to give back who want to partner with my company to help make that a reality.

Altruism is good for us all. It's so important to embrace it and I think smart people, regardless of where they work or what they do, realize that.


Edited by pirate-blues (12/29/16 10:54 PM)


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InvisibleCowb0yNeal00
Other

Registered: 06/05/13
Posts: 11,059
Re: My credit card company is surprisingly kind? [Re: ModestMouse]
    #23966996 - 12/29/16 10:49 PM (7 years, 1 month ago)

kind, but shady. I would terminate the card ASAP.


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InvisibleModestMouse
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Re: My credit card company is surprisingly kind? [Re: Cowb0yNeal00] * 2
    #23967001 - 12/29/16 10:51 PM (7 years, 1 month ago)

Lol thats ridiculous bro I called them on the company number.
Nothing shady they probably do this to keep customer retention high


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Invisiblepirate-blues
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Re: My credit card company is surprisingly kind? [Re: ModestMouse] * 5
    #23967006 - 12/29/16 10:57 PM (7 years, 1 month ago)

Also, they know you're gonna go and tell ya friends/a bunch of us degenerates.

They know it's beneficial for them too.

That doesn't make it evil or bad though.


If I give a fiver to a homeless dude it makes me feel good, I pat myself on the back, I won't lie - yes, it's out of sincerity, but I would not help people if it did not also make me feel good or at least, better. I maintain that altruism is inherently selfish and life is selfish in general...but being altruistic is by far the best kind of selfish to be, imo - on any scale.


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InvisibleDestitute
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Registered: 11/28/12
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Re: My credit card company is surprisingly kind? [Re: pirate-blues]
    #23967009 - 12/29/16 10:59 PM (7 years, 1 month ago)

That's cool, I want to get a Discover card this year.


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InvisibleModestMouse
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Re: My credit card company is surprisingly kind? [Re: Destitute] * 2
    #23967015 - 12/29/16 11:06 PM (7 years, 1 month ago)

I mean ive easily paid them three times that in profit but it just completely caught me by surprise
:vibin:

I feel like im coming out of my rut quite rapidly lately. Little stuff like this and now im maintaining a more stable life on suboxone and made a call today to get my criminal record expunged so that I can land the software pictometry job that I missed out on this year.


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Invisibledemiu5
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Re: My credit card company is surprisingly kind? [Re: ModestMouse]
    #23967025 - 12/29/16 11:11 PM (7 years, 1 month ago)

Quote:

ModestMouse said:
Discover
Its a Student card or something but pretty basic





i've been thoroughly pleased with Discover, so far, and have been a member for going on 3 years.  the only thing i don't like is that if you make 2 payments within one period, the second payment has an undetermined delay period.  one time there was two weeks between my payments, which put me in a tight spot when i was dealing with my legal issues


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Invisiblepirate-blues
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Re: My credit card company is surprisingly kind? [Re: ModestMouse] * 4
    #23967030 - 12/29/16 11:14 PM (7 years, 1 month ago)

:highfive:

dude, you'll make it out of the rut just fine. I know it's hard at first, as someone who has dealt with sometimes severe depression and my fair share of ruts. It's really, really hard - but a rolling stone gathers no moss, stay in motion - it only gets easier and easier and you will surprise yourself when you look back at all you've accomplished.


And the fact that you went through all this shit and still end up there gives you a far more interesting and therefore valuable perspective than the version of you that hasn't gone through it.


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InvisibleShroomismM
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Re: My credit card company is surprisingly kind? [Re: ModestMouse]
    #23967038 - 12/29/16 11:19 PM (7 years, 1 month ago)

Ditto. I just got a discover card recently and have been very pleased with them.


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InvisibleLe_Canard
The Duk Abides


Registered: 05/16/03
Posts: 94,392
Loc: Earthfarm 1 Flag
Re: My credit card company is surprisingly kind? [Re: Shroomism]
    #23967051 - 12/29/16 11:27 PM (7 years, 1 month ago)

I know they were very patient with me when I couldn't make a payment one month last year. They didn't charge me any late fees at all.


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InvisibleModestMouse
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Re: My credit card company is surprisingly kind? [Re: Le_Canard]
    #23967054 - 12/29/16 11:30 PM (7 years, 1 month ago)

Technically I suppose its them doing the best job they can.
Credit is there for this reason, to lend when there is need. They are simply doing so as a gift and with faith that I will remain a cardholder.

That and yeah I suppose the social marketing ramifications of that are evident here lol

Pirate youre my homeslice
:hug:


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InvisibleShroomismM
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Re: My credit card company is surprisingly kind? [Re: Le_Canard]
    #23967062 - 12/29/16 11:38 PM (7 years, 1 month ago)

Did it hit your credit though with a late report?


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InvisibleLe_Canard
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Re: My credit card company is surprisingly kind? [Re: Shroomism]
    #23967065 - 12/29/16 11:40 PM (7 years, 1 month ago)

Not that I know of. Of course, I could be wrong.....


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InvisibleShroomismM
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Re: My credit card company is surprisingly kind? [Re: Le_Canard]
    #23967070 - 12/29/16 11:45 PM (7 years, 1 month ago)



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InvisibleNiffla
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Registered: 06/09/08
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Re: My credit card company is surprisingly kind? [Re: ModestMouse]
    #23967200 - 12/30/16 02:14 AM (7 years, 1 month ago)

Quote:

ModestMouse said:
Wow a cool thing happened today. Called my credit company to finally pay some of my card off and they asked if I had financial hardship recently (I was late on paying) so I told them I lost my job. They said that since I was a member for 2 years they are sending me $100 check in the mail, no strings attached in a gesture of good fortune.
:mindblown:





:barbershreds:


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OfflineCrave
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Registered: 12/04/16
Posts: 357
Last seen: 6 years, 10 months
Re: My credit card company is surprisingly kind? [Re: Niffla]
    #23967246 - 12/30/16 02:56 AM (7 years, 1 month ago)

If you're in debt with a credit card with a bank you can usually negotiate a reduced settlement with them too as they are usually happy to recover a part of the money rather then having to chase it

Or balance transfer the debt to another credit card on a "no interest for 6 months" offer and just pay out the excess. Keep repeating that process till you've smashed out the debt


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