So last month husband M tried to use our Visa credit card and was surprised that it was denied. It seems the cards were expired since last October and never renewed. We have had these Visa credit cards for more than 20 years. Usually we are mailed renewal cards. I know we have not used them since the start of Covid, so maybe it is our fault. But I feel this major bank could have notified us that they were not going to renew our cards.
Customer service offered to make an appointment with the bank to get new cards, but after some deliberation, we decided to go with another major bank. My friend told me it is easy to get new cards, very little information is required beyond a good credit history. In fact applying online is so easy. She was right! We were approved within minutes and received new cards in the mail in a week! It was also easy to sign up to pay our bills online. It is refreshing to be with this new bank, maybe it was time for a change anyway. We will be sure to use it regularly too.
Uh, I usually use my 4 rarely used credit cards at least once every 6 months to keep them active, show good payments, etc. If accounts closed and you got a different new one, that may affect your credit rating, as long-time ones weren't used and closed, and the new one is "young", all possibly showing less total available credit. Be sure and play with the new one and others. I love how we're only supposed to use about 2% of our available credit....sigh. Linda in Kansas
ReplyDeleteThanks for the tips Linda
DeleteThanks for the reminder - I need to get a new card, too.
ReplyDeleteNice you found one so easy.
Banks never service old customers. Full stop.
ReplyDeleteBanks take us for granted and customer service is very poor at times.
ReplyDeleteGood on you for changing banks Christine.
Take care
Peggy xxx
Thanks Peggy
DeleteGood to know. Recently, we had a big plumbing issue, and before I knew it even the guy who came to fix things had us set up for how the issue was going to be financed through a certain bank.
ReplyDeleteGlad you guys found a new bank. Yes, it seems everything is ONLINE these days.
ReplyDeleteSo true things are changing. Still, I feel some of these places need a better phone system. It's hard to actually talk to a human anymore.
ReplyDeleteMe alegro de que todo se arreglara. Besos
ReplyDeleteYeah after being with that bank for so long they should have sent you a letter letting you know.
ReplyDeleteThank you Mary!
ReplyDeleteI find that very strange they didn't let you know. Usually these banks send new cards when the old one is due to expire. Change is as good as a rest or so they say. And it sounded like it was time for a change.
ReplyDeleteThey should have done better by you... Their loss.
ReplyDeleteThe bank should have notified you. I don't know what I'd do without my Visa card, as I order so much from Amazon.
ReplyDeleteBlessings, Christine!
Glad you were able to make the change and are so happy with the results. We have been with the Christian Credit Union for years, but also got an account with a bank that our daughter uses in Oregon so we can easily transfer funds if she needs them.
ReplyDeleteCustomer service is a bid deal.
I don't use a credit card all that much.
ReplyDeleteCoffee is on and stay safe.
Me alegro que el cambio les haya ido bien. Te mando un beso.
ReplyDeleteIt's crazy they cancelled your account without telling you!
ReplyDeleteI'm surprised they didn't write to you, but pleased you got things sorted satisfactorily.
ReplyDeleteAll the best Jan
I got a new bank card in March, 2020. The only thing I did in 2020 was stay home. My friend Scott did all my grocery shopping. He owed me some money, so I didn't need any. After I got my Covid shot, I went to the bank ATM to get money. I was shocked to learn the card had been denied since I had never used it. Inside the bank, I learned since I had not used the card in a six month period, the card was cancelled. The bank wasn't responsible because they were not the one issuing the card. It took a few days, but I got a new card. Now I use the card at least once every six months whether I need money or not. Sounds like you are very happy with your new bank.
ReplyDelete