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I’ll betcha’ no one has ever had THIS credit card issue !!!! #2699405
09/20/19 11:54 PM
09/20/19 11:54 PM
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Doc Fiberglass Offline OP
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My Wally World MasterCard came up for renewal the first of this month so they sent me a new card with a new expiration date. Never got it so they cancelled that card and said they would reissue it with a new number. So the new card comes in on the 17th ....but it will not activate. Supposedly THAT CARD was cancelled !! ... so I call an agent - spent almost an hour on the phone - they finally discover that the replacement card was reissued on the old lost card number.

Supposed to get a new card yesterday - nothing - call them again today - another almost one hour - they need another 7 to 10 days !!

After starting out in the USA with the call ... I then go to the Philippines THEN to India ..... its finally explained to me that it’s a glitch in the system ..... since Walmart is RIGHT IN THE MIDDLE OF changing banks ... from Syncony(so) to Capital1....


...... oh I’m UP ... BIG TIME ... alive and well ... the Noble Crusader !
Re: I’ll betcha’ no one has ever had THIS credit card issue !!!! [Re: Doc Fiberglass] #2699412
09/21/19 12:35 AM
09/21/19 12:35 AM
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I guess everyone makes mistakes, but I don't understand why you'd bother with them after their second one. I value my credit (reputation) more than that.

Last edited by Fat_Mike; 09/21/19 12:36 AM.
Re: I’ll betcha’ no one has ever had THIS credit card issue !!!! [Re: Fat_Mike] #2699413
09/21/19 12:46 AM
09/21/19 12:46 AM
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Doc Fiberglass Offline OP
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Credit rep ?


...... oh I’m UP ... BIG TIME ... alive and well ... the Noble Crusader !
Re: I’ll betcha’ no one has ever had THIS credit card issue !!!! [Re: Doc Fiberglass] #2699442
09/21/19 08:51 AM
09/21/19 08:51 AM
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Stanton Offline
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I thought Walmart owned the bank !!!

Re: I’ll betcha’ no one has ever had THIS credit card issue !!!! [Re: Stanton] #2699444
09/21/19 09:05 AM
09/21/19 09:05 AM
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Doc Fiberglass Offline OP
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Originally Posted by Stanton
I thought Walmart owned the bank !!!


Me thimks Wally World bought BOTH OF THEM but got a bester deal with Cap1 !


...... oh I’m UP ... BIG TIME ... alive and well ... the Noble Crusader !
Re: I’ll betcha’ no one has ever had THIS credit card issue !!!! [Re: Doc Fiberglass] #2699456
09/21/19 09:37 AM
09/21/19 09:37 AM
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Re: I’ll betcha’ no one has ever had THIS credit card issue !!!! [Re: 4263rdGen] #2699461
09/21/19 09:52 AM
09/21/19 09:52 AM
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Doc Fiberglass Offline OP
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tsk.... 1 1/2 Gen !

Oh I know where your going with that laugh2

Credit cards PAY ME to use their junk !

NOT MUCH as a comparison to some ... but CCs paid ME about 700$ last year !

....and of course I paid ZERO FINANCE CHARGES .,. By paying the STATEMENT BALANCE in full every month .,,,

So THERE !


...... oh I’m UP ... BIG TIME ... alive and well ... the Noble Crusader !
Re: I’ll betcha’ no one has ever had THIS credit card issue !!!! [Re: Doc Fiberglass] #2699472
09/21/19 10:15 AM
09/21/19 10:15 AM
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LOL! This one is for you


Re: I’ll betcha’ no one has ever had THIS credit card issue !!!! [Re: 4263rdGen] #2699478
09/21/19 10:50 AM
09/21/19 10:50 AM
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Doc Fiberglass Offline OP
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1/2 Gen ? ... tsk

Ramsey uses a DEBIT CARD ? ..., so he gives his money to a third party ... not even his mistress - lets them use it for free and he dribbles it out ?

Don’t get me ROLLING ON this topic .... penguin

ONE POINT ... right now ... you have a major purchase to make ? MAKE IT a day or two after the monthly billing closes AND THEN make that charge THEN use THEIR MONEY for almost 60 days ... FOR FREE !


...... oh I’m UP ... BIG TIME ... alive and well ... the Noble Crusader !
Re: I’ll betcha’ no one has ever had THIS credit card issue !!!! [Re: 4263rdGen] #2699480
09/21/19 10:54 AM
09/21/19 10:54 AM
Joined: Dec 2007
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Puttin' on the foil in Charles...
not_a_charger Offline

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LOL...he's the pied piper of people who are too simple to understand how to make credit work to their advantage. laugh2

We put anywhere from $40-$60k per year on our cards, and pay them off every month. Haven't paid a dime in interest or fees in 20 years. Have gotten thousands in cash back. Credit cards have strong consumer protections, too. Have no debt other than our mortgage, which I could pay off tomorrow if I wanted to, but my rate is so low that I'm better off investing that $$ elsewhere, because it makes more than my mortgage costs. We have a comfortable retirement savings already, even though we are in our mid-40s. We'll be able to fully fund college for both kids. But yeah, Dave Ramsey says I'm stupid, so I must be stupid. laugh2

And debit cards are so much worse than credit cards from a consumer protection standpoint.


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Re: I’ll betcha’ no one has ever had THIS credit card issue !!!! [Re: not_a_charger] #2699483
09/21/19 10:59 AM
09/21/19 10:59 AM
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South San Francisco, Californi...
MidPenMopar Offline
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Originally Posted by not_a_charger
LOL...he's the pied piper of people who are too simple to understand how to make credit work to their advantage. laugh2

We put anywhere from $40-$60k per year on our cards, and pay them off every month. Haven't paid a dime in interest or fees in 20 years. Have gotten thousands in cash back.


I do that too. Pay everything with one credit card and pay it all off each month. I get points for every dollar spent that i redeem. I am hoping they never catch on to this and start charging an annual fee for people who don't run up any interest. coffee

Re: I’ll betcha’ no one has ever had THIS credit card issue !!!! [Re: not_a_charger] #2699488
09/21/19 11:07 AM
09/21/19 11:07 AM
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Doc Fiberglass Offline OP
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nac.... and as you said CONSUMER PROTECTION is a plus toooo !

And Ramsey says 78% don’t pay off their cards every month?.... consistently pay off the statement balance ? It’s NINTY SIX percent! .... according to a supervisor at Cap1.


...... oh I’m UP ... BIG TIME ... alive and well ... the Noble Crusader !
Re: I’ll betcha’ no one has ever had THIS credit card issue !!!! [Re: Doc Fiberglass] #2699491
09/21/19 11:11 AM
09/21/19 11:11 AM
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Puttin' on the foil in Charles...
not_a_charger Offline

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Originally Posted by Doc Fiberglass
nac.... and as you said CONSUMER PROTECTION is a plus toooo !

And Ramsey says 78% don’t pay off their cards every month?.... consistently pay off the statement balance ? It’s NINTY SIX percent! .... according to a supervisor at Cap1.



He's 100% right about people who carry credit card debt, and people who use cards to spend money they don't have. He's a jackass for lumping people like us in with people like them. He does so because we don't fit his narrative. whistling


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Re: I’ll betcha’ no one has ever had THIS credit card issue !!!! [Re: 4263rdGen] #2699505
09/21/19 11:52 AM
09/21/19 11:52 AM
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I wouldn't have a Debit card for anything! They get jacked a lot and the money is gone. If you have a credit card and get hit you can see it on your statement and not be out the cash. I've been using credit cards for over 40 years and never paid a dine in fees and get cash back. I did have an Amoco years ago that had a 8% rebate on gas up to $75 a year. I would reach the $75 and not use it the rest of year. After 2 years they cancelled my rebate feature and I cancelled the card.

Whats hard to accept is the concept they some people have no intention of every paying the money back. This is a known cost and is added to everything we who pay our bills buy!

Dave Ramsey makes a ton of money from his free promotion from churches because he stresses to tide 10% so they have his classes and promote him for their profit. He doesn't teach me anything my depression era parents hadn't already.

Re: I’ll betcha’ no one has ever had THIS credit card issue !!!! [Re: not_a_charger] #2699514
09/21/19 12:40 PM
09/21/19 12:40 PM
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Originally Posted by not_a_charger
LOL...he's the pied piper of people who are too simple to understand how to make credit work to their advantage. laugh2

. But yeah, Dave Ramsey says I'm stupid, so I must be stupid. laugh2

And debit cards are so much worse than credit cards from a consumer protection standpoint.


i agree 100%. i haven't paid interest charges on my credit purchases in 10 years. i don't spend a lot maybe $10K a year i get 2%, on some purchases it's 5%, of the charges refunded to me. this happens because a LOT of people are not to smart, Mr Ramsey target audience, and spend more than they make and carry balances on their credit cards.

in my OPINION Mr Ramsey knows this he just won't state this in his talks because it doesn't fit his brand image. i will also go as far as stating Mr Ramsey doesn't use a debit card at the gas pumps as he stated in the video. he uses a cash back card just like i do. if he doesn't he isn't the brightest bulb in the box. he also knows as well as i and many others that the debt card has much smaller theft protection services than a credit card does. also on some credit cards they will extend the warranty on the item purchased. honestly the only place i will used my debit card is the local ATM to get some spending cash for small purchases.

Last edited by Mr T2U; 09/21/19 12:44 PM.

perception is 90% of reality
Re: I’ll betcha’ no one has ever had THIS credit card issue !!!! [Re: Doc Fiberglass] #2699602
09/21/19 07:10 PM
09/21/19 07:10 PM
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Originally Posted by Doc Fiberglass
tsk.... 1 1/2 Gen !

Oh I know where your going with that laugh2

Credit cards PAY ME to use their junk !

NOT MUCH as a comparison to some ... but CCs paid ME about 700$ last year !

....and of course I paid ZERO FINANCE CHARGES .,. By paying the STATEMENT BALANCE in full every month .,,,

So THERE !


And how much did YOU have to pay THEM? By buying stuff...


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Re: I’ll betcha’ no one has ever had THIS credit card issue !!!! [Re: Spaceman Spiff] #2699605
09/21/19 07:14 PM
09/21/19 07:14 PM
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Originally Posted by Spaceman Spiff


Originally Posted by Doc Fiberglass
tsk.... 1 1/2 Gen !

Oh I know where your going with that laugh2

Credit cards PAY ME to use their junk !

NOT MUCH as a comparison to some ... but CCs paid ME about 700$ last year !

....and of course I paid ZERO FINANCE CHARGES .,. By paying the STATEMENT BALANCE in full every month .,,,

So THERE !


And how much did YOU have to pay THEM? By buying stuff...


LOL no less than you pay. blah


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Re: I’ll betcha’ no one has ever had THIS credit card issue !!!! [Re: not_a_charger] #2699611
09/21/19 07:29 PM
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Originally Posted by not_a_charger
Originally Posted by Doc Fiberglass
nac.... and as you said CONSUMER PROTECTION is a plus toooo !

And Ramsey says 78% don’t pay off their cards every month?.... consistently pay off the statement balance ? It’s NINTY SIX percent! .... according to a supervisor at Cap1.



He's 100% right about people who carry credit card debt, and people who use cards to spend money they don't have. He's a jackass for lumping people like us in with people like them. He does so because we don't fit his narrative. whistling


He does it to sway his viewers away from getting sucked into credit cards. If you hear his callers, a good majority of them make 30K a year or less, have a 35K car loan (how they get approved I have no idea), about 18K in credit card debt and double that in student loans on top. Since they don't make enough money, the gas, food, cell phone bill and anything else gets put on the credit card and they get buried. If he tells them no credit card, it pushed them back into living within their means.

Last edited by 4263rdGen; 09/21/19 07:31 PM.
Re: I’ll betcha’ no one has ever had THIS credit card issue !!!! [Re: 4263rdGen] #2699615
09/21/19 07:53 PM
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Doc Fiberglass Offline OP
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1/4 Gen ... youz beez losing ground all day ! tsk


...... oh I’m UP ... BIG TIME ... alive and well ... the Noble Crusader !
Re: I’ll betcha’ no one has ever had THIS credit card issue !!!! [Re: Doc Fiberglass] #2699616
09/21/19 08:01 PM
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Originally Posted by Doc Fiberglass
1/4 Gen ... youz beez losing ground all day ! tsk



What the balance on the ole walmart visa?

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