Any Suggestions On How To Fight Back?

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1. My fico is 720+

2. No late payments on mortgages or credit cards on reports; history 10+ years.



I finally pulled tri-score last month == all 3 720+...

*I noticed that the Suntrust Fidelity card that I opened 10-07 (and had not used) did not post a limit (10K). Went online last week and saw it was now closed. I have another Suntrust card w/16K balance/4.5% interest/limit of 29K. I called customer service and was told it was closed for inactivity/no letter was sent. CusServ offered to try to reopen and I said sure IF reinstated as was.



Tonight-- still no letter. Went online to check. Still says closed AND NOW my other Suntrust ACCT lists 17K limit (was 29K). for NO Reason. This will terribly affect my usage percentage and cause negative reaction and I have not had 1 negative. What can I do to save myself!

Comments(2)

  • NewKidInTown32nd April, 2009

    Nothing you can do. You are at the mercy of the credit card issuers. You are not being singled out, this is happening all across the country.

  • cjmazur2nd April, 2009

    Seems to me a recall something in the TILA about "firm offers of credit" and a bunch of rules that must be followed.


    Quote:
    On 2009-04-01 23:30, ceinvests wrote:
    1. My fico is 720+
    2. No late payments on mortgages or credit cards on reports; history 10+ years.

    I finally pulled tri-score last month == all 3 720+...
    *I noticed that the Suntrust Fidelity card that I opened 10-07 (and had not used) did not post a limit (10K). Went online last week and saw it was now closed. I have another Suntrust card w/16K balance/4.5% interest/limit of 29K. I called customer service and was told it was closed for inactivity/no letter was sent. CusServ offered to try to reopen and I said sure IF reinstated as was.

    Tonight-- still no letter. Went online to check. Still says closed AND NOW my other Suntrust ACCT lists 17K limit (was 29K). for NO Reason. This will terribly affect my usage percentage and cause negative reaction and I have not had 1 negative. What can I do to save myself!

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