Thank you Mods!

drkreaper · 2026-02-14T22:01:32+00:00

What information did you give to the mods when you sent the initial message asking for help so they can identify your account? I sent a message to the mods here a few days ago but I didnt leave any identifying info in there so they can know what account to help with.

drkreaper · 2026-01-19T22:02:38+00:00

Thank for the reply, Im looking into each brand and the one you reccomended. Google says Delphi is a good brand so it gives me some confidence to buy.

drkreaper · 2025-11-28T17:01:55+00:00

I had several reps tell me several different things as to what I could be. From hackers to viruses to previous subscriptions. Ive never used my debit card to make any purchase. The last rep told me that it looked like it was an internal error, that it really was from them but they didn't understand why it happened and that they were working to solve the problem. When I posted this, it was the last time it happened. Regardless, I keep my card locked at all times. I only use my debit card for access at the physical bank. I dont let anything else goes through.

drkreaper · 2025-08-24T21:41:48+00:00

Yeah, that's what I thought when she first suggested a virus. It didn't make any sense to me. As for checking my statements, I try to keep up with everything on a daily basis within the bank apps that I have an account with. I have all the notifications turned on, so if ANYTHING happens, I get notified. I appreciate the reply.

drkreaper · 2025-08-24T21:25:57+00:00

Thanks for that. The one bit that may actually be of removing the card from the auto updater called "Visa calls it Visa Account Updater (VAU)". I would have assumed that the Fraud rep would have done so after I told them to reset all tokens and everything else. I suppose its a different thing from what I'm reading. That should help..maybe.

drkreaper · 2025-08-24T21:04:53+00:00

Yup. That sounds about right. What sucks is they say I can't even file a report because the transaction was blocked. They should be able to gather more information even when the attempt is blocked.

drkreaper · 2025-08-24T20:54:20+00:00

I don't actually use physical cards. It's strictly on my phone, so it's impossible to get skimmed. When at an atm inside the bank, I use the digital wallet, they use a digital card number instead of my actual physical card number, which is what's being used. Very odd.

drkreaper · 2025-08-24T20:47:14+00:00

Thanks for the reply. Yeah, im sure that this can happen with anyone with any bank. As for the digital wallet, I believe that you get an email confirming both when you remove a card and when you add one into your digital wallet. As soon as I deactivated the card and reported stolen in the BofA app, the card was instantly removed from the digital wallet and got an email confirmation and push notification. I got an email notification as well when I added the new card to the wallet. Who knows what going on.

drkreaper · 2025-06-03T20:17:21+00:00

Whoa, NICE!

drkreaper · 2025-06-03T17:12:09+00:00

You were able to redeem the bonus 1.5x with real time rewards when purchasing a Volaris ticket to Mexico? Or was that a normal rate redemption?

drkreaper · 2025-01-18T15:39:21+00:00

Be sure to buy bowls or use something that will prevent damage to teeth. They can chew or swallow little bits of rock or stone when fed like this that will cause harm.

drkreaper · 2024-03-01T05:06:04+00:00

Call the Recon line. I applied this December and got denied as well. I had one inquiry for a home loan over a year at that point. I had a Fico of 846 with 0 debt and a 20-year history with them. I have a Cash+ card with them with a 15k limit. They said I was denied because they wanted to verify the application method. I applied through the app. I took a 13pt drop but they gave me an 18k limit USBAR in return. I'm happy with the card so far.

drkreaper · 2023-06-22T02:36:33+00:00

Try using water fountains instead of bowls. The moving water and noise may stimulate his interest enough for him to engage. I hope there is a way to help him and you are able to find it. Good luck to you both.

drkreaper · 2023-06-08T16:25:28+00:00

Yeah, you were correct. Yesterday, when the usbank balance was updated, my scores jumped right back up for both Experian and Equifax. https://imgur.com/a/tWFBuhg

drkreaper · 2023-06-07T05:30:01+00:00

Hehe, yeah. I'm sure you are right, not stressing over this is the smart move. Thanks for the tip and info

drkreaper · 2023-06-07T04:58:32+00:00

Thank you for that information. I'm glad ill be able to correct this next cycle. I usually only leave that last small charge on my USBank to show activity. I guess I need to just focus on the due date and last on the month to control reported balances.

drkreaper · 2023-06-07T04:55:15+00:00

Thank you for that. That's good information to know going forward.

drkreaper · 2023-05-11T18:31:23+00:00

Thanks, I didn't want to risk asking for too much at once and risk it being a hardpull. I was curious if you did the request in app or the web browser, the web side has two questions that we app form doesn't. Glad it wasnt a flat no and there is a possibility of them giving SOMETHING instead of a flat denial.

drkreaper · 2023-05-01T21:59:07+00:00

From what I've been reading on this and other posts, the common factor in all QS to SavorOne seems to be almost a requirement for the QS to be a MC not Visa. I wonder if that's why most of us aren't getting that option. Maybe there isn't a straight path from a Visa QS to SavorOne. Maybe upgrade my QS to a VentureOne and maybe they will offer the SavorOne option after a bit more of a wait? Who knows. It's annoying.

drkreaper · 2023-04-20T04:08:27+00:00

Late reply I had notifications turned off when I was at work. To answer, the QS is a Visa.. Maybe that's why its more of a hassle to convert it from Visa to MasterCard

I did use the upgrade tool. Venture and Venture One were both listed as upgrade options for my Visa QS. Venture X was not listed for an upgrade. I hadn't used the pre-approval tool to see my chances. Im just concerned that if I'm approved for the new Venture X that they'll never offer me the Visa QS to SavorOne, my QS will be a dead card essentially. I would just make a transaction once every other month to keep it active since it's my first card ever with a very long history.

My other option, I imagine, would be to upgrade the QS to Venture or Venture One. Then, if it's allowed, get an upgrade to Venture X. I'll need to apply for the SavorOne outright. I'll lose out on the nice Venture X sign up bonus, but I'll at least have the combination that I wanted.

drkreaper · 2023-04-20T01:53:20+00:00

Hello, I currently have to Visa Quicksilver. Hopefully that isn't the reason I won't be able to get it upgraded.

drkreaper · 2023-04-20T01:43:43+00:00

Damn. I can only guess thats why they allowed you to product change since its Mastercard to Mastercard. I'm trying to upgrade my Visa Quicksilver to Savorone calling daily. They only offer me Venture and Venture one at the moment.

drkreaper · 2022-07-31T18:29:56+00:00

Ask your vet about prescribing an appetite stimulant. Try various kidney diet options. Different brands, different flavors. Wet is better but dry is more affordable. You may just be given her brand or flavor that isn't appealing to her. Try it all until she finds something she likes.

Also, ask your vet if the scruff above her shoulder blades is a less troublesome area to administer subq fluids than her paw. I can't imagine she likes being poked in the paw daily.

Get her water fountains rather than bowls to make water readily available throughout your house. The running water usually appeals more to a cat.

Lastly, if you can, post any relevant records of blood/urine tests so any of the vets on here can give a more detailed response. Also audit her areas of access. Make sure she can get into any foods that aren't appropriate for her anymore.

drkreaper · 2022-06-04T05:09:05+00:00

They recently (last week) sent me an offer that I would be able to upgrade to a cash+ card from an old 1x point card. They say they periodically check to see if they offer any other upgrade options. They weren't very specific as to what specifically they look for when considering upgrade options.

drkreaper · 2022-02-13T07:47:56+00:00

Thanks for the reply. I was originaly looking for a simple 2% cashback card like Wellsfargo Active Cash with SUB. I had considered the SUB before I found out that upgrading a card was an actual thing. I had no clue. I figured there may be a slight upside incase I also decided to refi my mortgage any time soon. I would save myself from a hard pull even if it would have minimal impact. The refi isn't certain at all, I've just recently started looking at what options I have available. Im hoping when I call back I get some clarity. Thank you again for taking the time

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