Comments on: Icici Bank Credit Cards : Excellent Offers With Feasible Terms And Conditions

By: earthlink

earthlink — Wed, 24 Feb 2010 16:14:38 +0000

Excellent video, great message and lots of fun playing off the Mac / PC format.

But what is the deal with some of these posts? Lots of angry folks out there. Do yourself a favor, drop your bank an find a CU in your community. Don’t like the one you’re with, find another. Focus on products you use, especially on lending side (credit cards in particular as you use that loan product an average of 15 times a month) — and make sure fee structure is reasonable. Then move your business there!

By: truth

truth — Wed, 24 Feb 2010 10:16:22 +0000

Good job Dave.

By: jes24/7

jes24/7 — Wed, 24 Feb 2010 08:20:56 +0000

That is EXACTLY how you will be sued. We have so many stubborn people in our court who come in guns blazing, ranting and raving about how they're being deceived and their case is fraud, etc etc etc because they never had an account with their Plaintiff. Visa is not going to sue you. Mastercard is not going to sue you. Chase is not going to sue you. They will refer your account to a collection agency. If you don't comply they will send the account to an attorney who will file suit against you. If you still don't comply you will have an incredibly inflated judgment against you. They will add in all sorts of penalties, fees and costs. It's best you use your energy to pay this off rather than trying to fight it in court. You will lose.

By: eijlwq

eijlwq — Wed, 24 Feb 2010 07:31:56 +0000

No, you can have a credit card without having a checking account at the same bank. I have credit cards from banks where I never had accounts, and I still have two Bank of America credit cards even though I closed my Bank of America checking account. Why I have two Bank of America credit cards is another story.

If the credit card is paid automatically using the checking account, you do have to make arrangements to pay it another way. Closing the checking account does not exempt you from paying the credit card bill. Obviously.

By: Missy-A

Missy-A — Wed, 24 Feb 2010 06:31:25 +0000

You're just going to have to give it time. If your credit isn't up to par when you apply, there is no way to appeal the credit card company's decision. I would wait another 6 months and reapply.

By: sadye

sadye — Tue, 23 Feb 2010 23:16:03 +0000

The report says you have the card and all the info about loan type and terms etc. and only when you don't pay or a late payment do they report it. The credit report is not an accounting balance sheet. Every month the credit reporting agencies get bad debts for the information to build credit reports. Once you have a good report, they don't need to keep reporting every time you write a check already.

if you are looking for the free credit report usa national site, check out this site

http://free-credit-report-national.com/

Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score rating.

By: rails

rails — Tue, 23 Feb 2010 17:00:55 +0000

yeah i finally got a job and closed my bank account at bank of america so goodbye to all their fees and crap im going to a credit union but which one is good?

By: MA

MA — Tue, 23 Feb 2010 06:50:13 +0000

Not sure which one they pull from, but..they are one of the easiest to get a credit card from. Just make sure if you do get one you pay on time…they have a tendency to call if you are one day late..and it's all day long everyday until they get the payment. I had one…won't deal with them again.

By: jpro

jpro — Tue, 23 Feb 2010 05:51:04 +0000

Actually., that’s not 100% correct. Banks are insured by FDIC and most Credit Unions insured by NCUA. Both FDIC and NCUA are Federal Insurance Agency of the US Government. Both insurance coverages mirror each other with basiclly no difference. However, some credit union may select to be “State Charter” for various business reasons and are insured seperately by private insurance carriers such as ASI, etc.

By: urbantool

urbantool — Tue, 23 Feb 2010 05:12:34 +0000

Nice Video, so true