Why is it so hard to do business with Dell

Archived from groups: alt.sys.pc-clone.dell (More info?)

Consider yourself lucky. I had an order get into a weird status and it took
me over 20 hours on the phone speaking to I don't know how many people in
various depts. only to be told nobody could fix the problem because nobody
had access to all of the information. Seems it required a conference call
between 2-3 people in various depts. to get it cleared. Your situation
seems like a scenario they should deal with many times a day. Sounds like
sheer incompetence on their part.


"Art Vandolay" <av@linuxmail.org> wrote in message
news:avdSd.40802$W16.34677@trndny07...
> Last Wednesday I ordered a Dell system through their online ordering
system.
> The system came to around $2400. During the checkout process I supplied
my MC
> number. Dell asks if there is a daily limit on the card. Of course,
everyone
> has a daily limit. Mine was $1500.
>
> Assuming they asked what the limit was I simply figured they would break
the
> amount up and make two separate withdrawls. Yhey claim they don't access
the
> funds until they ship your PC. Apparently this is not true as within 3
hours I
> received an email advisin me that the credit card comapny rejected
> authorization.
>
> I called the bank the next morning and was told Dell attempted to withdraw
the
> full amount. The failed authorization put my order on hold. So I called
the
> 800 number listed in the email and told there was no problem with busting
up
> the amounts and doing two separate transactions. The fellow even told me
how
> much he was withdrawing at that moment and the balance the next day.
>
> After waiting until Saturday and seeing no change in order status and no
> activity in my bank account I called Dell to see what the problem was.
>
> I was passed around to at least three people. None of them seemed to
> understand what my problem was or how it could be rectified. Finally I
got
> ahold of one lady who understood, said there was no problem however she
needed
> to transfer me to another person. After 30 minutes of being on hold I
> cancelled my order.
>
> I then received an email from Dell asking me to reconsider and sine I was
such
> an esteemed customer they would provide me with a $90 coupon to use if I
> reordered. They asured me this problem would be rectified if I reordered.
>
> And so I did. ANd the same problem has occurred. I've tried all day to
> straighten this simple matter out and no one at Dell has the intelligence
to
> handle this simple transaction.
>
> Dell is a hi-tech company building hi-tech computers but can not handle a
> lo-tech transaction? LOL!
>
> The customer service I have received from Dell over the past few days is
the
> worst I have ever encountered. It's almost laughable. So screw Dell.
I've
> just cancelled the second order and tomorrow I'll head down to the store,
buy a
> case, a power supply a motherboard and all the extras and build my own.
>
> I'll probably be better off anyway.
>
>

Archived from groups: alt.sys.pc-clone.dell (More info?)

BigJim wrote:

>I know people who charge automobiles on their cards, it is your fault for
>having the limit.
>
>
Note also that requesting authorization for payment is not the same as
charging the account.


>"Art Vandolay" <av@linuxmail.org> wrote in message
>news:avdSd.40802$W16.34677@trndny07...
>
>
>>Last Wednesday I ordered a Dell system through their online ordering
>>system.
>>The system came to around $2400. During the checkout process I supplied
>>my MC
>>number. Dell asks if there is a daily limit on the card. Of course,
>>everyone
>>has a daily limit. Mine was $1500.
>>
>>Assuming they asked what the limit was I simply figured they would break
>>the
>>amount up and make two separate withdrawls. Yhey claim they don't access
>>the
>>funds until they ship your PC. Apparently this is not true as within 3
>>hours I
>>received an email advisin me that the credit card comapny rejected
>>authorization.
>>
>>I called the bank the next morning and was told Dell attempted to withdraw
>>the
>>full amount. The failed authorization put my order on hold. So I called
>>the
>>800 number listed in the email and told there was no problem with busting
>>up
>>the amounts and doing two separate transactions. The fellow even told me
>>how
>>much he was withdrawing at that moment and the balance the next day.
>>
>>After waiting until Saturday and seeing no change in order status and no
>>activity in my bank account I called Dell to see what the problem was.
>>
>>I was passed around to at least three people. None of them seemed to
>>understand what my problem was or how it could be rectified. Finally I
>>got
>>ahold of one lady who understood, said there was no problem however she
>>needed
>>to transfer me to another person. After 30 minutes of being on hold I
>>cancelled my order.
>>
>>I then received an email from Dell asking me to reconsider and sine I was
>>such
>>an esteemed customer they would provide me with a $90 coupon to use if I
>>reordered. They asured me this problem would be rectified if I reordered.
>>
>>And so I did. ANd the same problem has occurred. I've tried all day to
>>straighten this simple matter out and no one at Dell has the intelligence
>>to
>>handle this simple transaction.
>>
>>Dell is a hi-tech company building hi-tech computers but can not handle a
>>lo-tech transaction? LOL!
>>
>>The customer service I have received from Dell over the past few days is
>>the
>>worst I have ever encountered. It's almost laughable. So screw Dell.
>>I've
>>just cancelled the second order and tomorrow I'll head down to the store,
>>buy a
>>case, a power supply a motherboard and all the extras and build my own.
>>
>>I'll probably be better off anyway.
>>
>>
>>
>>
>
>
>
>

Archived from groups: alt.sys.pc-clone.dell (More info?)

In article <I6fSd.8621$0v5.3300@fe07.lga>, zipitydudu@zipitydada.com says...
>
>
>Consider yourself lucky. I had an order get into a weird status and it took
>me over 20 hours on the phone speaking to I don't know how many people in
>various depts. only to be told nobody could fix the problem because nobody
>had access to all of the information. Seems it required a conference call
>between 2-3 people in various depts. to get it cleared. Your situation
>seems like a scenario they should deal with many times a day. Sounds like
>sheer incompetence on their part.
>

Yes, same problem, no one knows anything. You are transferred from one person
to the other. If their CS reps have to deviate from their prepared
scripts....it's a major glitch.


Well so much for their hi-tech online ordering system. As I previosuly stated
when submitting the order and utilizing a bank or debit card they
specifically ask if there is a daily limit on the account. Why certainly,
everyone has a daily limit. One would assume they ask this in order to split
the purchase price up and submit more than one withdrawl.

Apparently it is supposed to be done but the option isn't working. After
several hours and emails trying to straighten this matter out I got ahold of a
young lady this morning who straighted the entire matter out in less than a
minute and deducted 1/3 this morning and a 1/3 the next two days.

I explained the problem came from their online ordering. She advised me several
people had encountered this problem and apparently the option didn't work when
ordering. As you say, this probably happens to everyone who uses online
ordering. Yet they want you to contact the bank and straighen the matter out.
My bank won't raise limits over the phone you have to go to the branch and wait
to see a CS rep and that usually takes an hour or more. I wasn't about to do
it.

Seems Dell is creating much extra work and frustration for nothing.

Really it was quite a laughable situation over a very simple matter.

Archived from groups: alt.sys.pc-clone.dell (More info?)

In article <9KiSd.54951$iC4.12510@newssvr30.news.prodigy.com>,
nospam@hotmail.com says...
>
>
>I have never heard of a daily limit on a Master Card. I have no daily
>limits on any of the cards I hold.
>
>Regards,
>
>Jerry Seinfeld.
>
>"Art Vandolay" <av@linuxmail.org> wrote in message
>news:avdSd.40802$W16.34677@trndny07...
>> Last Wednesday I ordered a Dell system through their online ordering
>> system.
>> The system came to around $2400. During the checkout process I supplied
>> my MC
>> number. Dell asks if there is a daily limit on the card. Of course,
>> everyone
>> has a daily limit. Mine was $1500.
>
>

BWAHAHA you have a limit! It's just higher then mine. Giddy-uP!

Archived from groups: alt.sys.pc-clone.dell (More info?)

The Dell online form was probably asking about this situation.
If you have placed a "fraud alert" on your card, the CC company will place a
dollar limit on the cards daily usage. If any attempt is made to exceed that
amount, you will have to contact them in person before it is approved. This
will also apply to any large single purchase.

"WSZsr" <nospam@hotmail.com> wrote in message
news:9KiSd.54951$iC4.12510@newssvr30.news.prodigy.com...
> I have never heard of a daily limit on a Master Card. I have no daily
> limits on any of the cards I hold.
>
> Regards,
>
> Jerry Seinfeld.
>
> "Art Vandolay" <av@linuxmail.org> wrote in message
> news:avdSd.40802$W16.34677@trndny07...
> > Last Wednesday I ordered a Dell system through their online ordering
> > system.
> > The system came to around $2400. During the checkout process I
supplied
> > my MC
> > number. Dell asks if there is a daily limit on the card. Of course,
> > everyone
> > has a daily limit. Mine was $1500.
>
>

Archived from groups: alt.sys.pc-clone.dell (More info?)

BigJIm wrote:
> no credit card means bad credit that is why people don't use them.
> You sound like a person who blames everyone else for your short comings.


Excuse me? I have an excellent credit rating, and I refuse to use credit
cards simply because of the business practices of the credit card
companies and issuing banks. Plus, I refuse to go into debt to buy
anything I can pay cash for.

You, sir, can kiss my hairy white ass.

Archived from groups: alt.sys.pc-clone.dell (More info?)

On Mon, 21 Feb 2005 15:12:26 -0800, Irene wrote:

> Interesting, we have ordered 3 computers on line, all paid via MasterCard,
> all over $1500, and never experienced any thing like that.
> Must be something new at Dell. Our last order was nearly two years ago,
> though.

I ordered more than $30,000 in computers on my Amex a couple months ago
and didn't have any problems.

I ordered more than $12,000 of a few computers last month and didn't have
any problem - I've never experienced a "daily" limit on any of my cards,
not even the debit cards.

--
spam999free@rrohio.com
remove 999 in order to email me

Archived from groups: alt.sys.pc-clone.dell (More info?)

On Mon, 21 Feb 2005 15:22:46 -0800, Irene wrote:
>
> Like I said neither had we.

I was just backing up your statement with my experience too.

--
spam999free@rrohio.com
remove 999 in order to email me

Archived from groups: alt.sys.pc-clone.dell (More info?)

On Mon, 21 Feb 2005 10:29:25 GMT, "WSZsr" <nospam@hotmail.com> wrote:

>I have never heard of a daily limit on a Master Card. I have no daily
>limits on any of the cards I hold.

Turns out the OP was using a Debit Card of all things!
--
Top 10 Conservative Idiots:
http://www.democraticunderground.com/top10/

Archived from groups: alt.sys.pc-clone.dell (More info?)

In article <PHtSd.1326$Sd.350256@newshog.newsread.com>, mjhuffma@pro-ns.net
says...
>
>
>BigJIm wrote:
>> no credit card means bad credit that is why people don't use them.
>> You sound like a person who blames everyone else for your short comings.
>
>
>Excuse me? I have an excellent credit rating, and I refuse to use credit
>cards simply because of the business practices of the credit card
>companies and issuing banks. Plus, I refuse to go into debt to buy
>anything I can pay cash for.
>
>You, sir, can kiss my hairy white ass.



LOL. Exactly my reasons. All my friends are in hock up to their eyeballs and
barely living from paycheck to paycheck and a layoff away from losing it all.
One is about to lose his home over $2300 debt to a credit card company.

I'm very comfortable with the fact I chucked them all in 1989 and went strictly
to cash and debit cards and not one of the monthly slaves to high interest
rates. But then again, I never really used them that much anyway except for
when I was on business trips and reimbursed within a few days by my employer.

Archived from groups: alt.sys.pc-clone.dell (More info?)

Obviously you do not understand the problem. Of course the sale would have
been stopped due to the daily limit.

Again, some common sense very slowly so that you can understand it, the option
exists precisely for the reason that Dell then splits the mount up into
increments smaller then the limit and makes more then one withdrawl on two
different business days.

Dell did contact me with an email. It took 4 days to get ahold of a cs rep who
could manually do what theur option at online ordering does, break the sale up
into smaller amounts, somethign the option at online ordering is supposed to do
or notify them to do.

Obviously you do not understand the situation.







In article <6QASd.18904$Xw2.12108@fe06.lga>, girlsrule@hotmail.com says...
>
>
>Why on earth did you check the box that indicated you had a $1500 limit.
>Common sense should have told you that it would do nothing but cause
>problems.
>If you had left it blank and the charge went through, that would have been
>the end of it. If the Charge didn't go through, I am quite sure Dell would
>have contacted you.
>
>
>"Linebacker" <linebacker@nolinuxmail.org> wrote in message
>news:8RxSd.40389$t46.26926@trndny04...
>> In article <G%tSd.12876$Py7.10447@fe03.lga>, girlsrule@hotmail.com says...
>>>
>>>
>>>Interesting, we have ordered 3 computers on line, all paid via MasterCard,
>>>all over $1500, and never experienced any thing like that.
>>>Must be something new at Dell. Our last order was nearly two years ago,
>>>though.
>>>
>>
>> I've explained it all yet no one gets it. The problem is with their
>> online
>> ordering and the option which one selcts a daily limit. This is to
>> trigger
>> their billing department into breaking the transaction into amounts under
>> the
>> daily limit and ,alking an additional withdrawl. The CS rep told me many
>> people were having this problem and the function appeared not to be
>> working.
>>
>> So for a hi-tech company why such a lo-tech problem which causes
>> unneccesary
>> delay for the consumer? Seems to me they would rectify the situation and
>> avoid
>> the calls to their CS dept. This was my entire point. A business,
>> especially
>> one selling expensive merchandise should do everything in their power to
>> avoid
>> any problems to the consumer and make online ordering hassle free.
>>
>>
>> That's all I have to say about it.
>>
>>
>
>

Archived from groups: alt.sys.pc-clone.dell (More info?)

In article <ZtKSd.13683$fg.6391@fe07.lga>, girlsrule@hotmail.com says...
>
>
>"Linebacker" <linebacker@nolinuxmail.org> wrote in message
>news:iyHSd.29169$ya6.4902@trndny01...
>
>> Obviously you do not understand the problem. Of course the sale would
>> have
>> been stopped due to the daily limit.
>
>
>Obviously, I do understand the problem. IF you hadn't checked the box, Dell
>may have or may not have stopped the order. It would depend on whether or
>not your bank approved the charge. My bank calls me if they question a
>charge and your bank should be doing the same thing. If they don't, I would
>change banks so fast they wouldn't know what had happened.
>I assume they are not "the only game in town".
>
>


ROFLMAO! "If you hadn't checked the box" LOL! Again you have no understanding
of Dell's online ordering process nor the ability to understand why the dialog
box is present and what it's purpose is even though it's been thoroughly
explained several times.

It's not a matter of the bank doing something with regard to the order. The
bank is irrelvant. The bank should have to do nothing if you understand and can
follow the reasoning why dell has the daily limit dialog box. It's dell who
processes and submits the order. They simply did not do it in the manner the
online ordering system prescribes. Dell even acknowledges it is not
functioning correctly. The order was screwed up, not once but twice.

So there you have it, you'll just have to accept the facts as Dell CS reps
state. You simply have the inability to understand dell's online ordering
system and the functions. If one calls in the order by phone, the CS rep
processed the order precisely as I have previously stated, they break the
freaking charges up into smaller amounts and process in separate transactions
so the daily limit is not triggered. This is what the the options box on
online ordering is for, it does the same thing. Get it now?

I gave up and have now obtained a case, a power supply, a motherboard, memory,
hard drives, dvd and cd drives, sound and video cards, an LCD monitor and
decided to simply build my own tonight rather then deal with dell or this topic
any further.

This is absolutely funny. I've learned one thing not only are there some
morons at Dell but there are some real lew-lews on the net.

Archived from groups: alt.sys.pc-clone.dell (More info?)

Let me guess this straight. You, apparently, have ordered one computer using
the online order page and had it mess up.
You have a $1500 daily limitation on your card that is causing you and Dell
problems but you can't correct it with your bank. No one else in this group
has been tied up with a $1500 daily limit on their bank cards. Our bank is
very cooperative with us and Dell, causing neither of us any problems.
We have ordered three computers using the online order page and not had any
problems.

But you're the expert.

"Linebacker" <linebacker@nolinuxmail.org> wrote in message
news:sWMSd.32753$s16.11532@trndny02...
> In article <ZtKSd.13683$fg.6391@fe07.lga>, girlsrule@hotmail.com says...
>>
>>
>>"Linebacker" <linebacker@nolinuxmail.org> wrote in message
>>news:iyHSd.29169$ya6.4902@trndny01...
>>
>>> Obviously you do not understand the problem. Of course the sale would
>>> have
>>> been stopped due to the daily limit.
>>
>>
>>Obviously, I do understand the problem. IF you hadn't checked the box,
>>Dell
>>may have or may not have stopped the order. It would depend on whether or
>>not your bank approved the charge. My bank calls me if they question a
>>charge and your bank should be doing the same thing. If they don't, I
>>would
>>change banks so fast they wouldn't know what had happened.
>>I assume they are not "the only game in town".
>>
>>
>
>
> ROFLMAO! "If you hadn't checked the box" LOL! Again you have no
> understanding
> of Dell's online ordering process nor the ability to understand why the
> dialog
> box is present and what it's purpose is even though it's been thoroughly
> explained several times.
>
> It's not a matter of the bank doing something with regard to the order.
> The
> bank is irrelvant. The bank should have to do nothing if you understand
> and can
> follow the reasoning why dell has the daily limit dialog box. It's dell
> who
> processes and submits the order. They simply did not do it in the manner
> the
> online ordering system prescribes. Dell even acknowledges it is not
> functioning correctly. The order was screwed up, not once but twice.
>
> So there you have it, you'll just have to accept the facts as Dell CS reps
> state. You simply have the inability to understand dell's online ordering
> system and the functions. If one calls in the order by phone, the CS rep
> processed the order precisely as I have previously stated, they break the
> freaking charges up into smaller amounts and process in separate
> transactions
> so the daily limit is not triggered. This is what the the options box on
> online ordering is for, it does the same thing. Get it now?
>
> I gave up and have now obtained a case, a power supply, a motherboard,
> memory,
> hard drives, dvd and cd drives, sound and video cards, an LCD monitor and
> decided to simply build my own tonight rather then deal with dell or this
> topic
> any further.
>
> This is absolutely funny. I've learned one thing not only are there some
> morons at Dell but there are some real lew-lews on the net.
>
>

Archived from groups: alt.sys.pc-clone.dell (More info?)

Linebacker wrote:

> In article <PHtSd.1326$Sd.350256@newshog.newsread.com>, mjhuffma@pro-ns.net
> says...
>
>>BigJIm wrote:
>>
>>>no credit card means bad credit that is why people don't use them.
>>>You sound like a person who blames everyone else for your short comings.
>>
>>Excuse me? I have an excellent credit rating, and I refuse to use credit
>>cards simply because of the business practices of the credit card
>>companies and issuing banks. Plus, I refuse to go into debt to buy
>>anything I can pay cash for.
>>
>>You, sir, can kiss my hairy white ass.
>
> LOL. Exactly my reasons. All my friends are in hock up to their eyeballs and
> barely living from paycheck to paycheck and a layoff away from losing it all.
> One is about to lose his home over $2300 debt to a credit card company.

I have (note I didn't say carry) a couple of credit cards and I pay the
full balance whenever I have charges. Can't remember when I paid a
nickel in CC finance charges. At worst I'm in debt up to my ankles, plus
I'm retired, so no job to lose.

To sum up, it's not whether or not one has one or more credit cards,
it's how he uses them. Having a CC does not compel one to charge up to
his limit and pay the minimum balance every month, that's just stupid,
not to mention financial suicide. Of course, not having a CC is no
guarantee of being solvent. My CR report shows that I carry 2% of my
combined CR limit - which is a plus when it comes to calculating one's
CR score (important if one plans to apply for a mortgage).

Paying cash for a car is a good rule of thumb, but it pays to run the
numbers for each situation. E.g., I bought a new Honda in 2003 and had
intended to write a check for it. However, I researched the interest
rates on new car loans at the time and saw that I could finance the car
thru Honda Finance for 3.64% and I was making about 3 times that in my
Vanguard account, so I borrowed some $$$ from Honda & let them finance
my car.

Naturally, I have a DB card along with my checking account. The daily
limit for cash withdrawals is $500. I have no idea if there is a limit
to DB card *purchases* other than the balance in my account. I have
never heard of a limit on DB card purchases as described.

Archived from groups: alt.sys.pc-clone.dell (More info?)

Linebacker wrote:

> In article <9KiSd.54951$iC4.12510@newssvr30.news.prodigy.com>,
> nospam@hotmail.com says...
>
>>
>>I have never heard of a daily limit on a Master Card. I have no daily
>>limits on any of the cards I hold.
>>
>>Regards,
>>
>>Jerry Seinfeld.
>>
>>"Art Vandolay" <av@linuxmail.org> wrote in message
>>news:avdSd.40802$W16.34677@trndny07...
>>
>>>Last Wednesday I ordered a Dell system through their online ordering
>>>system.
>>>The system came to around $2400. During the checkout process I supplied
>>>my MC
>>>number. Dell asks if there is a daily limit on the card. Of course,
>>>everyone
>>>has a daily limit. Mine was $1500.
>
> BWAHAHA you have a limit! It's just higher then mine. Giddy-uP!

Really? Unless you can substantiate that claim, you're just a HateDellbot.

Archived from groups: alt.sys.pc-clone.dell (More info?)

"Irene" <girlsrule@hotmail.com> wrote in message
news:j7TSd.20001$Ql1.7628@fe06.lga...
>I TRIED to give him the benefit of the doubt. But this guy is intent on
>proving that he is the problem.
>


I'm surprised to see you post as much. There are legitmate gripes and then
there are people who mess things up and then want to avoid any
responsibility in the matter.

This type of post (from the OP) isn't new.


Stew

Archived from groups: alt.sys.pc-clone.dell (More info?)

"Sparky" <nemo@moon.sun.edu> wrote in message
news:fBWSd.19524$Ez.17449@fe08.lga...
> I have never heard of a limit on DB card purchases as described.

Frankly, I doubt that anyone else has either.
Not to mention a bank that refuses to do business over the phone.

My husband and I got our first bank card from Bank of America, the year they
began issuing them(I believe B of A was the first bank to use bank cards).
That was more than 40 years ago. We have never had a purchase rejected
because the bank refused to honor the charge or debit. We have been called
by the bank to verify a particular transaction, but nothing beyond that.
When needed for a one time large purchase, we have had no problem getting it
authorized by a simple phone call, in advance of the purchase, to the bank
involved. All things considered, I think what happened is that he messed up
and rather than admitting it, he is looking for a scapegoat.

The only reasons that I can think of for a bank to put such restrictions on
a person's account, including that they come into the bank in person, would
be a fraud alert or identity theft situation, a lack of credit history, or a
poor credit history.



"Sparky" <nemo@moon.sun.edu> wrote in message
news:fBWSd.19524$Ez.17449@fe08.lga...
> Linebacker wrote:
>
>> In article <PHtSd.1326$Sd.350256@newshog.newsread.com>,
>> mjhuffma@pro-ns.net says...
>>
>>>BigJIm wrote:
>>>
>>>>no credit card means bad credit that is why people don't use them.
>>>>You sound like a person who blames everyone else for your short comings.
>>>
>>>Excuse me? I have an excellent credit rating, and I refuse to use credit
>>>cards simply because of the business practices of the credit card
>>>companies and issuing banks. Plus, I refuse to go into debt to buy
>>>anything I can pay cash for.
>>>
>>>You, sir, can kiss my hairy white ass.
>>
>> LOL. Exactly my reasons. All my friends are in hock up to their
>> eyeballs and barely living from paycheck to paycheck and a layoff away
>> from losing it all.
>> One is about to lose his home over $2300 debt to a credit card company.
>
> I have (note I didn't say carry) a couple of credit cards and I pay the
> full balance whenever I have charges. Can't remember when I paid a nickel
> in CC finance charges. At worst I'm in debt up to my ankles, plus I'm
> retired, so no job to lose.
>
> To sum up, it's not whether or not one has one or more credit cards, it's
> how he uses them. Having a CC does not compel one to charge up to his
> limit and pay the minimum balance every month, that's just stupid, not to
> mention financial suicide. Of course, not having a CC is no guarantee of
> being solvent. My CR report shows that I carry 2% of my combined CR
> limit - which is a plus when it comes to calculating one's CR score
> (important if one plans to apply for a mortgage).
>
> Paying cash for a car is a good rule of thumb, but it pays to run the
> numbers for each situation. E.g., I bought a new Honda in 2003 and had
> intended to write a check for it. However, I researched the interest rates
> on new car loans at the time and saw that I could finance the car thru
> Honda Finance for 3.64% and I was making about 3 times that in my Vanguard
> account, so I borrowed some $$$ from Honda & let them finance my car.
>
> Naturally, I have a DB card along with my checking account. The daily
> limit for cash withdrawals is $500. I have no idea if there is a limit to
> DB card *purchases* other than the balance in my account. I have never
> heard of a limit on DB card purchases as described.

Archived from groups: alt.sys.pc-clone.dell (More info?)

In article <421CF973.F4ED7B03@ddress.com>, notan@ddress.com says...
>
>
>Kind of OT, but what the hell...
>
>I remember my first credit card... I was in college and my limit
>was something like $1000. After a year of not using the card, AT
>ALL, I received a letter from the bank, telling me that because
>I was such a good customer, and never had any delinquent payments
>(Mind you, I never had ANY payments!), they were raising my limit
>to $5000.
>
>Unless you've done something terribly wrong, BANKS WANT TO LOAN
>YOU MONEY!!!
>
>Notan
>
>Irene wrote:
>>
>> Frankly, I doubt that anyone else has either.
>> Not to mention a bank that refuses to do business over the phone.
>>
>> My husband and I got our first bank card from Bank of America, the year they
>> began issuing them(I believe B of A was the first bank to use bank cards).
>> That was more than 40 years ago. We have never had a purchase rejected
>> because the bank refused to honor the charge or debit. We have been called
>> by the bank to verify a particular transaction, but nothing beyond that.
>> When needed for a one time large purchase, we have had no problem getting it
>> authorized by a simple phone call, in advance of the purchase, to the bank
>> involved. All things considered, I think what happened is that he messed up
>> and rather than admitting it, he is looking for a scapegoat.
>>
>> The only reasons that I can think of for a bank to put such restrictions on
>> a person's account, including that they come into the bank in person, would
>> be a fraud alert or identity theft situation, a lack of credit history, or a
>> poor credit history.


Don't use credit cards yet have over 635K in the bank, a new $500K home paid
cash for and I have a 1500 limit at my instruction when I opened the account.
No credit problems ever, have excellent credit Nuff said!

Archived from groups: alt.sys.pc-clone.dell (More info?)

"Lineacker" <linbacker@linxmail.org> wrote in message
news:t27Td.29935$ya6.22568@trndny01...
> In article <421CF973.F4ED7B03@ddress.com>, notan@ddress.com says...
>>

> Don't use credit cards yet have over 635K in the bank, a new $500K home
> paid
> cash for and I have a 1500 limit at my instruction when I opened the
> account.
> No credit problems ever, have excellent credit Nuff said!
>

If you have only $635K in the bank and paid cash for a $500K home, then
you're not very good with managing money, are you.

Irrational

Archived from groups: alt.sys.pc-clone.dell (More info?)

"Lineacker" <linbacker@linxmail.org> wrote in message
news:t27Td.29935$ya6.22568@trndny01...

>I have a 1500 limit at my instruction when I opened the >account.



Well, FINALLY, after all the BS, you just admitted the cause of the
problem. You created it yourself and didn't have common sense enough to
contact your bank IN ADVANCE to inform them you would have a one time
"charge" coming through that exceeded your self imposed limit.
All you had to do was tell your bank about the charge and from what company
it was coming and you could have avoided all your problems.

AND, I'm the "-------- stupid" one?

I think not.

"Lineacker" <linbacker@linxmail.org> wrote in message
news:t27Td.29935$ya6.22568@trndny01...
> In article <421CF973.F4ED7B03@ddress.com>, notan@ddress.com says...
>>
>>
>>Kind of OT, but what the hell...
>>
>>I remember my first credit card... I was in college and my limit
>>was something like $1000. After a year of not using the card, AT
>>ALL, I received a letter from the bank, telling me that because
>>I was such a good customer, and never had any delinquent payments
>>(Mind you, I never had ANY payments!), they were raising my limit
>>to $5000.
>>
>>Unless you've done something terribly wrong, BANKS WANT TO LOAN
>>YOU MONEY!!!
>>
>>Notan
>>
>>Irene wrote:
>>>
>>> Frankly, I doubt that anyone else has either.
>>> Not to mention a bank that refuses to do business over the phone.
>>>
>>> My husband and I got our first bank card from Bank of America, the year
>>> they
>>> began issuing them(I believe B of A was the first bank to use bank
>>> cards).
>>> That was more than 40 years ago. We have never had a purchase rejected
>>> because the bank refused to honor the charge or debit. We have been
>>> called
>>> by the bank to verify a particular transaction, but nothing beyond that.
>>> When needed for a one time large purchase, we have had no problem
>>> getting it
>>> authorized by a simple phone call, in advance of the purchase, to the
>>> bank
>>> involved. All things considered, I think what happened is that he messed
>>> up
>>> and rather than admitting it, he is looking for a scapegoat.
>>>
>>> The only reasons that I can think of for a bank to put such restrictions
>>> on
>>> a person's account, including that they come into the bank in person,
>>> would
>>> be a fraud alert or identity theft situation, a lack of credit history,
>>> or a
>>> poor credit history.
>
>
> Don't use credit cards yet have over 635K in the bank, a new $500K home
> paid
> cash for and I have a 1500 limit at my instruction when I opened the
> account.
> No credit problems ever, have excellent credit Nuff said!
>

Archived from groups: alt.sys.pc-clone.dell (More info?)

Notan wrote:
>
> Lineacker wrote:
> >
> > In article <4E7Td.29665$Rl5.21547@bignews4.bellsouth.net>, tomtoo@softhome.net
> > says...
> > >
> > >
> > >
> > >"Lineacker" <linbacker@linxmail.org> wrote in message
> > >news:t27Td.29935$ya6.22568@trndny01...
> > >> In article <421CF973.F4ED7B03@ddress.com>, notan@ddress.com says...
> > >>>
> > >
> > >> Don't use credit cards yet have over 635K in the bank, a new $500K home
> > >> paid
> > >> cash for and I have a 1500 limit at my instruction when I opened the
> > >> account.
> > >> No credit problems ever, have excellent credit Nuff said!
> > >>
> > >
> > >If you have only $635K in the bank and paid cash for a $500K home, then
> > >you're not very good with managing money, are you.
> > >
> > >Irrational
> > >
> > >
> >
> > ROFLMAO! Jealous? Actually I am very good with managing money and I have
> > excellent credit. I won't even list my investments. I think I'm doing rather
> > well. Better then 75% of the interest paying slaves. I don't use credit ever.
> > The debit card is simply my check book adm I am perfectly comfortable with the
> > limit at the time I opened the checking account.
>
> I can pretty much guarantee that, in regards to this discussion, the word
> "jealous" has never pooped into anyone's head.

Freudian slip... That should've been "popped!"

Notan

Archived from groups: alt.sys.pc-clone.dell (More info?)

You can say that again.

"Notan" <notan@ddress.com> wrote in message
news:421D09C2.6EE56B9F@ddress.com...
> Lineacker wrote:
>>
>> In article <4E7Td.29665$Rl5.21547@bignews4.bellsouth.net>,
>> tomtoo@softhome.net
>> says...
>> >
>> >
>> >
>> >"Lineacker" <linbacker@linxmail.org> wrote in message
>> >news:t27Td.29935$ya6.22568@trndny01...
>> >> In article <421CF973.F4ED7B03@ddress.com>, notan@ddress.com says...
>> >>>
>> >
>> >> Don't use credit cards yet have over 635K in the bank, a new $500K
>> >> home
>> >> paid
>> >> cash for and I have a 1500 limit at my instruction when I opened the
>> >> account.
>> >> No credit problems ever, have excellent credit Nuff said!
>> >>
>> >
>> >If you have only $635K in the bank and paid cash for a $500K home, then
>> >you're not very good with managing money, are you.
>> >
>> >Irrational
>> >
>> >
>>
>> ROFLMAO! Jealous? Actually I am very good with managing money and I have
>> excellent credit. I won't even list my investments. I think I'm doing
>> rather
>> well. Better then 75% of the interest paying slaves. I don't use credit
>> ever.
>> The debit card is simply my check book adm I am perfectly comfortable
>> with the
>> limit at the time I opened the checking account.
>
> I can pretty much guarantee that, in regards to this discussion, the word
> "jealous" has never pooped into anyone's head.
>
> Notan

Archived from groups: alt.sys.pc-clone.dell (More info?)

In article <728Td.18784$PG7.1656@fe07.lga>, girlsrule@hotmail.com says...
>
>
>You can say that again.
>
>"Notan" <notan@ddress.com> wrote in message
>news:421D09C2.6EE56B9F@ddress.com...
>> Lineacker wrote:
>>>
>>> In article <4E7Td.29665$Rl5.21547@bignews4.bellsouth.net>,
>>> tomtoo@softhome.net
>>> says...
>>> >
>>> >
>>> >
>>> >"Lineacker" <linbacker@linxmail.org> wrote in message
>>> >news:t27Td.29935$ya6.22568@trndny01...
>>> >> In article <421CF973.F4ED7B03@ddress.com>, notan@ddress.com says...
>>> >>>
>>> >
>>> >> Don't use credit cards yet have over 635K in the bank, a new $500K
>>> >> home
>>> >> paid
>>> >> cash for and I have a 1500 limit at my instruction when I opened the
>>> >> account.
>>> >> No credit problems ever, have excellent credit Nuff said!
>>> >>
>>> >
>>> >If you have only $635K in the bank and paid cash for a $500K home, then
>>> >you're not very good with managing money, are you.
>>> >
>>> >Irrational
>>> >
>>> >
>>>
>>> ROFLMAO! Jealous? Actually I am very good with managing money and I have
>>> excellent credit. I won't even list my investments. I think I'm doing
>>> rather
>>> well. Better then 75% of the interest paying slaves. I don't use credit
>>> ever.
>>> The debit card is simply my check book adm I am perfectly comfortable
>>> with the
>>> limit at the time I opened the checking account.
>>
>> I can pretty much guarantee that, in regards to this discussion, the word
>> "jealous" has never pooped into anyone's head.
>>
>> Notan
>
>

BLOW ME

Archived from groups: alt.sys.pc-clone.dell (More info?)

Yes, and you did it AFTER you initiated the order and AFTER you checked that
box..
Can you comprehend-------"IN ADVANCE"
Then you would not have had to check the damn box, which is what started all
your problems.

And I'm the one that's "------- stupid"

"Lineacker" <linbacker@linxmail.org> wrote in message
news:My8Td.44164$W16.39945@trndny07...
> In article <Z%7Td.18770$OG7.373@fe07.lga>, girlsrule@hotmail.com says...
>>
>>
>>"Tom Scales" <tomtoo@softhome.net> wrote in message
>>news:4E7Td.29665$Rl5.21547@bignews4.bellsouth.net...
>>
>>> you're not very good with managing money, are you.
>>>
>>> Irrational
>>
>>
>>
>>Not to mention planning ahead for a one time purchase that he knows will
>>exceed his self imposed $1500 limit. >g<
>
>
>
> Bwahah just for the hell of it I had the limit raised and the order still
> wouldn;t go through they're screwed up you sure you're not a dellbot
> bitch
>
>
>
>
>
>>
>>
>>
>>
>>"Tom Scales" <tomtoo@softhome.net> wrote in message
>>news:4E7Td.29665$Rl5.21547@bignews4.bellsouth.net...
>>>
>>> "Lineacker" <linbacker@linxmail.org> wrote in message
>>> news:t27Td.29935$ya6.22568@trndny01...
>>>> In article <421CF973.F4ED7B03@ddress.com>, notan@ddress.com says...
>>>>>
>>>
>>>> Don't use credit cards yet have over 635K in the bank, a new $500K home
>>>> paid
>>>> cash for and I have a 1500 limit at my instruction when I opened the
>>>> account.
>>>> No credit problems ever, have excellent credit Nuff said!
>>>>
>>>
>>> If you have only $635K in the bank and paid cash for a $500K home, then
>>> you're not very good with managing money, are you.
>>>
>>> Irrational
>>>
>>>
>>
>>
>

Archived from groups: alt.sys.pc-clone.dell (More info?)

"Tom Scales" <tomtoo@softhome.net> wrote in message
news:_U9Td.7730$Q47.3958@bignews5.bellsouth.net...
> Jealous, uh, no.
>
> Those figures were many years ago for me. I use M, not K, to describe my
> assets.

Likewise. That is why we have one card that has no limit, daily or
otherwise.

We have never carried a balance from month to month on any of our bank
cards. Everything is paid as soon as it is due.

We do believe in excepting free use of their money, though. >g<



"Tom Scales" <tomtoo@softhome.net> wrote in message
news:_U9Td.7730$Q47.3958@bignews5.bellsouth.net...
>
> "Lineacker" <linbacker@linxmail.org> wrote in message
> news:LL7Td.34419$f%5.7494@trndny03...
>> In article <4E7Td.29665$Rl5.21547@bignews4.bellsouth.net>,
>> tomtoo@softhome.net
>> says...
>>>
>>>
>>>
>>>"Lineacker" <linbacker@linxmail.org> wrote in message
>>>news:t27Td.29935$ya6.22568@trndny01...
>>>> In article <421CF973.F4ED7B03@ddress.com>, notan@ddress.com says...
>>>>>
>>>
>>>> Don't use credit cards yet have over 635K in the bank, a new $500K home
>>>> paid
>>>> cash for and I have a 1500 limit at my instruction when I opened the
>>>> account.
>>>> No credit problems ever, have excellent credit Nuff said!
>>>>
>>>
>>>If you have only $635K in the bank and paid cash for a $500K home, then
>>>you're not very good with managing money, are you.
>>>
>>>Irrational
>>>
>>>
>>
>> ROFLMAO! Jealous? Actually I am very good with managing money and I have
>> excellent credit. I won't even list my investments. I think I'm doing
>> rather
>> well. Better then 75% of the interest paying slaves. I don't use credit
>> ever.
>> The debit card is simply my check book adm I am perfectly comfortable
>> with the
>> limit at the time I opened the checking account.
>>
>
> Jealous, uh, no.
>
> Those figures were many years ago for me. I use M, not K, to describe my
> assets.
>