s*****l
发帖数: 22 | 1 其实我不是在意hard pull造成的影响
我是在意最新开的cc时间太短造成长时间分数上的影响
在Money版的精华区看到这个
Example of credit bureau scorecard,
Characteristic Attributes Points
Number of bankcard inquiries in 0 50
last 6 months 1 35
2 30
3 28
4 15
5 or more ... 阅读全帖 |
|
h*********n
发帖数: 11319 | 2 【 以下文字转载自 USANews 讨论区 】
发信人: MrGoogle (冬眠的蛇), 信区: USANews
标 题: 如果你给HRC捐过款的话，记着经常查看账单
发信站: BBS 未名空间站 (Thu Sep 15 15:27:25 2016, 美东)
Hillary Clinton Campaign Systematically Overcharging Poorest Donors
Hillary for America processed a total of $94 in unauthorized charges to
Carol Mahre's US Bank account. This follows a pattern in which unwitting
donors are charged multiple times, but always for a total of less than $100,
which is a key trigger point for banks'internal action systems. Photo:
Courtes... 阅读全帖 |
|
M******e
发帖数: 1193 | 3 Hillary Clinton Campaign Systematically Overcharging Poorest Donors
Hillary for America processed a total of $94 in unauthorized charges to
Carol Mahre's US Bank account. This follows a pattern in which unwitting
donors are charged multiple times, but always for a total of less than $100,
which is a key trigger point for banks'internal action systems. Photo:
Courtesy Carol Mahre
Hillary Clinton’s campaign is stealing from her poorest supporters by
purposefully and repeatedly overcharging them af... 阅读全帖 |
|
r******l
发帖数: 10760 | 4 今天查了一下信用分数，报告里给出了分数低的原因，三家的原因有相同的，也有不同
的。其中有几条不太明白，谁能给讲解一下什么意思，如何应对？
三家共同的因素包括：
* Your oldest bankcard has not been open long enough
* Not enough revolving debt experience
其中第一条没办法，来美国时间短，没法改变。第二条什么意思呢？如何才能改善呢？
另外，TransUnion独有的一条因素是：
* There are not enough premium bankcard accounts on your credit report
这个是什么意思？如何改善？
还有Equifax独有的一条因素是：
* There are too many personal finance accounts on your credit report
这个是说account太多了吗？可是creditkarmat上说我account太少了啊？我现在包括已
经关的account一共14个，记得以前版上也有人说应该越多越好（至少要远大于14... 阅读全帖 |
|
d*****e
发帖数: 491 | 5 bankcard指信用卡的名字
还是那种银行开个户就会给你的那种可以去atm取钱的那种卡啊，这种得话，online不收
的吧
很多online不接受amex的
可能是因为amex消费的款项不是直接到商家的帐上，而是作为对amex的应收帐款
只有master/visa才是畅通无阻阿。。。
tried amex?
and if you only use cc in OZ/NZ
try bankcard |
|
d*****e
发帖数: 491 | 6 那我就试试看吧
bankcard哪里申请？
最好是能申请master/visa
lik-sang只接受这两种卡
Bankcard is similar to visa/master/dinner'sclub/amex/JCB
it's just limited to be used in Australia/New Zealand
most Aus/NZ website business support it
most major banks provide it
maybe you can try apply outside maquarie park
i know bendigo can apply online for its debit account bendigobank.com.au
later they require you fax/mail your identification check (normally done by JP
) to them and ask your deposit some money to activate
收 |
|
|
M*********s
发帖数: 306 | 8 只能破财消灾了
BankCard/CC/Phone挂失
驾照/SSN补办
建议参加一个IdentityProtectionPlan |
|
w********0
发帖数: 341 | 9 NorthStar Bankcard是一个成长型的信用卡刷卡服务公司,现寻求合适的人员加入销售
团队,
要求如下:
有一定的销售经验，积极主动，吃苦耐劳，良好的沟通能力,中英文流利.
薪酬:$10/hour加提成;
如有兴趣,请发邮件至:l**[email protected] |
|
e*****r
发帖数: 11 | 10 Internal refer to a financial company full time roles.
Location: either greater NYC area or MO
Please let me know which role fits your background best, and send your email
to e********[email protected]
May provide sponsorship in the future.
Role 1: Software Engineering
· Service Oriented Architecture
· Java
· Oracle/DB Experience
· Product Integration Support
Rile 2: Software Engineer
· UI experience
· Agile methodology
· JAD experience
Role 3: S... 阅读全帖 |
|
m****s
发帖数: 18160 | 11 【 以下文字转载自 Quant 讨论区 】
发信人: statcompute (statcompute), 信区: Quant
标 题: senior analyst / manager opening
发信站: BBS 未名空间站 (Mon Mar 10 12:10:35 2014, 美东)
we have an immediate opening for senior analyst / manager, depending on the
candidate's experience and background. The candidate is expected to have
direct experiences in consumer banking (prefer bankcard), scorecard / model
development, and good communication skills. If interested, please email your
resume to w********[email protected] within this week. Tha... 阅读全帖 |
|
发帖数: 1 | 12 公司简介：
巨人商务平台（Argus Merchant Services Inc.）是全美最大的华人信用卡处理机构之
一，为Visa, MasterCard, Discover和American Express官方注册的支付处理机构。公
司总部坐落于世界金融中心——华尔街。目前公司业务广布全美各洲各地，为上万多家
餐馆，美甲店，超市，零售商，批发商，及各类商家提供服务。知名合作伙伴包括
Dolce&Gabbana，麒麟金阁，咖啡伴你等等。
公司相关介绍请参考：http://argusinvision.com/
Sales/Marketing市场销售
【职位描述】:
参加巨人商务独特的销售谈判，开拓合作方；
获取客户信息，并整理客户数据库；
对信用卡处理报表进行评估和跟进；
协助资深商务顾问安排日程客户会见；
洽谈业务合作及发展和维护客户关系
【职位要求】:
中文流利，英文熟练，Cantonese, Taiwanese, Korean, Japanese, Spanish is A
PLUS；
沟通能力强，灵活应变，积极主动；
抗压能力强，工作认真，有责任感；
有电话及面对面销售经验者优... 阅读全帖 |
|
发帖数: 1 | 13 公司简介：
巨人商务平台（Argus Merchant Services Inc.）是全美最大的华人信用卡处理机构之
一，为Visa, MasterCard, Discover和American Express官方注册的支付处理机构。公
司总部坐落于世界金融中心——华尔街。目前公司业务广布全美各洲各地，为上万多家
餐馆，美甲店，超市，零售商，批发商，及各类商家提供服务。知名合作伙伴包括
Dolce&Gabbana，麒麟金阁，咖啡伴你等等。
公司相关介绍请参考：http://argusinvision.com/
Sales/Marketing市场销售
【职位描述】:
参加巨人商务独特的销售谈判，开拓合作方；
获取客户信息，并整理客户数据库；
对信用卡处理报表进行评估和跟进；
协助资深商务顾问安排日程客户会见；
洽谈业务合作及发展和维护客户关系
【职位要求】:
中文流利，英文熟练，Cantonese, Taiwanese, Korean, Japanese, Spanish is A
PLUS；
沟通能力强，灵活应变，积极主动；
抗压能力强，工作认真，有责任感；
有电话及面对面销售经验者优... 阅读全帖 |
|
A*********2
发帖数: 2 | 14 Reply B********[email protected]
C/S speak Mandarin & English (Cerritos)
American Bankcard Services, Inc needs Customer Service. Please email your
resume at B********[email protected] or call 562-455-0382 if you have the
following criteria: We are seeking for a friendly person who has excellent
verbal and written communication skills with at two years of experience in
customer service or sale.
1) Bilingual English & Mandarin/Chinese.
2) Pleasing personality.
3) Hardworking.
4) Willing to learn new things.
5... 阅读全帖 |
|
A*********2
发帖数: 2 | 15 Reply B********[email protected]
C/S speak Mandarin & English (Cerritos)
American Bankcard Services, Inc needs Customer Service. Please email your
resume at B********[email protected] or call 562-455-0382 if you have the
following criteria: We are seeking for a friendly person who has excellent
verbal and written communication skills with at two years of experience in
customer service or sale.
1) Bilingual English & Mandarin/Chinese.
2) Pleasing personality.
3) Hardworking.
4) Willing to learn new things.
5... 阅读全帖 |
|
e*****r
发帖数: 11 | 16 Internal refer to a financial company full time roles.
Location: either greater NYC area or MO
Please let me know which role fits your background best, and send your email
to e********[email protected]
May provide sponsorship in the future.
Role 1: Software Engineering
· Service Oriented Architecture
· Java
· Oracle/DB Experience
· Product Integration Support
Rile 2: Software Engineer
· UI experience
· Agile methodology
· JAD experience
Role 3: S... 阅读全帖 |
|
e*****r
发帖数: 11 | 17 Internal refer to a financial company full time roles.
Location: either greater NYC area or MO
Please let me know which role fits your background best, and send your email
to e********[email protected]
May provide sponsorship in the future.
Role 1: Software Engineering
· Service Oriented Architecture
· Java
· Oracle/DB Experience
· Product Integration Support
Rile 2: Software Engineer
· UI experience
· Agile methodology
· JAD experience
Role 3: S... 阅读全帖 |
|
m****s
发帖数: 18160 | 18 【 以下文字转载自 Quant 讨论区 】
发信人: statcompute (statcompute), 信区: Quant
标 题: senior analyst / manager opening
发信站: BBS 未名空间站 (Mon Mar 10 12:10:35 2014, 美东)
we have an immediate opening for senior analyst / manager, depending on the
candidate's experience and background. The candidate is expected to have
direct experiences in consumer banking (prefer bankcard), scorecard / model
development, and good communication skills. If interested, please email your
resume to w********[email protected] within this week. Tha... 阅读全帖 |
|
发帖数: 1 | 19 公司简介：
巨人商务平台（Argus Merchant Services Inc.）是全美最大的华人信用卡处理机构之
一，为Visa, MasterCard, Discover和American Express官方注册的支付处理机构。公
司总部坐落于世界金融中心——华尔街。目前公司业务广布全美各洲各地，为上万多家
餐馆，美甲店，超市，零售商，批发商，及各类商家提供服务。知名合作伙伴包括
Dolce&Gabbana，麒麟金阁，咖啡伴你等等。
Job description:
- Prospecting business owners and initiating sales through outbound calls
- Educating potential clients about our services and benefits
- Selling Credit Card Processing Services to businesses.
- Dealing with cold call accounts.
- Prior experience in this indust... 阅读全帖 |
|
发帖数: 1 | 20 公司简介：
巨人商务平台（Argus Merchant Services Inc.）是全美最大的华人信用卡处理机构之
一，为Visa, MasterCard, Discover和American Express官方注册的支付处理机构。公
司总部坐落于世界金融中心——华尔街。目前公司业务广布全美各洲各地，为上万多家
餐馆，美甲店，超市，零售商，批发商，及各类商家提供服务。知名合作伙伴包括
Dolce&Gabbana，麒麟金阁，咖啡伴你等等。
Job description:
- Prospecting business owners and initiating sales through outbound calls
- Educating potential clients about our services and benefits
- Selling Credit Card Processing Services to businesses.
- Dealing with cold call accounts.
- Prior experience in this indust... 阅读全帖 |
|
发帖数: 1 | 21 公司简介：
巨人商务平台（Argus Merchant Services Inc.）是全美最大的华人信用卡处理机构之
一，为Visa, MasterCard, Discover和American Express官方注册的支付处理机构。公
司总部坐落于世界金融中心——华尔街。目前公司业务广布全美各洲各地，为上万多家
餐馆，美甲店，超市，零售商，批发商，及各类商家提供服务。知名合作伙伴包括
Dolce&Gabbana，麒麟金阁，咖啡伴你等等。
公司相关介绍请参考：http://argusinvision.com/
Sales/Marketing市场销售
【职位描述】:
参加巨人商务独特的销售谈判，开拓合作方；
获取客户信息，并整理客户数据库；
对信用卡处理报表进行评估和跟进；
协助资深商务顾问安排日程客户会见；
洽谈业务合作及发展和维护客户关系
【职位要求】:
中文流利，英文熟练，Cantonese, Taiwanese, Korean, Japanese, Spanish is A
PLUS；
沟通能力强，灵活应变，积极主动；
抗压能力强，工作认真，有责任感；
有电话及面对面销售经验者优... 阅读全帖 |
|
发帖数: 1 | 22 公司简介：
巨人商务平台（Argus Merchant Services Inc.）是全美最大的华人信用卡处理机构之
一，为Visa, MasterCard, Discover和American Express官方注册的支付处理机构。公
司总部坐落于世界金融中心——华尔街。目前公司业务广布全美各洲各地，为上万多家
餐馆，美甲店，超市，零售商，批发商，及各类商家提供服务。知名合作伙伴包括
Dolce&Gabbana，麒麟金阁，咖啡伴你等等。
公司相关介绍请参考：http://argusinvision.com/
Sales/Marketing市场销售
【职位描述】:
参加巨人商务独特的销售谈判，开拓合作方；
获取客户信息，并整理客户数据库；
对信用卡处理报表进行评估和跟进；
协助资深商务顾问安排日程客户会见；
洽谈业务合作及发展和维护客户关系
【职位要求】:
中文流利，英文熟练，Cantonese, Taiwanese, Korean, Japanese, Spanish is A
PLUS；
沟通能力强，灵活应变，积极主动；
抗压能力强，工作认真，有责任感；
有电话及面对面销售经验者优... 阅读全帖 |
|
发帖数: 1 | 23 公司简介：
巨人商务平台（Argus Merchant Services Inc.）是全美最大的华人信用卡处理机构之
一，为Visa, MasterCard, Discover和American Express官方注册的支付处理机构。公
司总部坐落于世界金融中心——华尔街。目前公司业务广布全美各洲各地，为上万多家
餐馆，美甲店，超市，零售商，批发商，及各类商家提供服务。知名合作伙伴包括
Dolce&Gabbana，麒麟金阁，咖啡伴你等等。
公司相关介绍请参考：http://argusinvision.com/
Sales/Marketing市场销售
【职位描述】:
参加巨人商务独特的销售谈判，开拓合作方；
获取客户信息，并整理客户数据库；
对信用卡处理报表进行评估和跟进；
协助资深商务顾问安排日程客户会见；
洽谈业务合作及发展和维护客户关系
【职位要求】:
中文流利，英文熟练，Cantonese, Taiwanese, Korean, Japanese, Spanish is A
PLUS；
沟通能力强，灵活应变，积极主动；
抗压能力强，工作认真，有责任感；
有电话及面对面销售经验者优... 阅读全帖 |
|
K****D
发帖数: 30533 | 24 You are currently using at least 50% of your credit limit on 2 open
bankcard(s). (This only includes accounts for which the credit limit
or highest balance is reported. This is because if the credit limit
is not reported, your highest balance is used instead.)
Seems my conclusion this morning is wrong, //sigh. |
|
v***r
发帖数: 13 | 25 reason有：
high percentage of credit profile consists of bankcards
还有
lack of finance accounts
都是啥意思？ |
|
C*********y
发帖数: 1424 | 26 第二个我觉得是因为我用那个amex 的green rewards卡的缘故，没有limit,所以就把
balance作为了limit上限，影响了信用分数
第一个呢，是说我信用记录还太短？放在了negative的factor里面，
谢谢
Credit history
You opened your first credit account 5 years ago. This does not include
disputed accounts and accounts
for which the date opened is not reported. [ More ]
2.
Credit usage
You are currently using at least 50% of your credit limit on 1 open bankcard
(s). This only includes
accounts for which the credit limit or highest balance is reported. This is
because if the credi |
|
v********r
发帖数: 22 | 27 之前念书的时候一直信用记录良好，按时还款，申请信用卡都是立刻批准。也没有滥申
，就visa, master, american express, discover各一张.工作了搬家到新地方不到一
年，最近申请UA 30000 mile 那个卡的时候，被剧。给的理由是
insufficient length of credit history
repeatedly alternating between carrying and paying a balance in full during
the last 24 months
high percentage of credit profile consists of bankcards
难道到了新地方以前的信用记录都不算了吗？怎么会信用时间不够啊？ 到了新地方，
开了两家本地银行的checking&saving,这个非常影响credit吗?
各位大虾给看看，到底怎么回事，能去申诉吗?谢谢! |
|
d******e
发帖数: 783 | 28 11/9把卡给关了，没任何预先的通知
只是寄了一封平信，里面提到理由是
current loan amount on all open accounts
not enough credit information on file
number of bankcard accounts
(9月查过信用分数，700-750之间。从未有欠款记录，信用卡数目为10，
有balance的卡数目为4)
卡上的5000点reward points（11/19的statement上显示有）也被清零。
还有10月购买的amazon gc的bonus 不知道能不能拿到。
客服除了说sorry 啥都帮不上。
就这样认栽。有办法能argue吗？
即使卡回不来 我还是想把reward points要回来.
毕竟 这卡的term上说 reward points never expire. |
|
s****q
发帖数: 149 | 29 申请chase的卡悲剧了，原因如下
1. too many accounts with high blalances
2. cridit reports shows total bankcard balances have grown too fast
如果和chase去argue的话，应该怎么解释呢？
我信用卡历史3年，分数738。本版信人，请拍！谢谢 |
|
m*****a
发帖数: 2609 | 30 看这么多，赞一个。顺道贴一下citi identity monitor里提供的指导信息，是基于我
的情况，估计跟大多数平常人都是差不多吧：
========Positive Factors==========
Here are the top factors that raise your score:
----------------------------
You have never been late with your payments, and no collection accounts or
negative public records are listed in your credit report.
This raises your score. Any history of late payments (including missed
payments and derogatory payment statuses) is a negative factor. No reported
history of payments on any account i... 阅读全帖 |
|
t****t
发帖数: 297 | 31 一下子给罗列了四条拒绝的理由:
number of bankcard accounts grew too fast
too many requests for new credit in the past 3 months
not enough accounts opened for more than 2 years
too few satisfactory accounts opened greater than 5 months
我今年一月申请的boa secured card,五月在chase开户后申请到freedom,六月办了
costco会员卡后申请了amex costco.现在刚开个淘宝小店,想想也算有business了就申
请了ink plus,结果悲剧.这种情况要求reconsider有用吗,说些什么理由呢,我在chase
存款30k这样的理由有说服力吗,还是只能等上三五个月再申请.请各位指点,多谢! |
|
g*******w
发帖数: 679 | 32 就是两个flavor的FICO score，300-850是针对bankcard的，250-900是针对auto的。 |
|
n*****1
发帖数: 56 | 33 最近在 bb买了10k的电器，申请了信用卡，结果只给了后者，据说区别是给的这张能在
bb消费，而那张 master的可以在 别处用。请大神解释下这两卡的区别，如果差别仅仅
是 能否在bb之外用，我就打算不跟 bb argue了，毕竟在 bb之外确实没有用 bb CC的
必要。
还有这次 bb被拒，愿意如下:
1.number of estabished acc. 我现在只有五张 cc,算多吗？这次申请给的 crefit
report说 分数 750
2. too many credit bureau inquiry last yr. 最近连申三张卡，搞了房贷，估计是
有点多。
3. too high proportion of balance from open bankcard acc.是不是说我的每张卡
这个比例高还是总的说高？大神们请建议多高的比例比较合适？
4. length of time since last bank card has been opened.是不是说最近申的卡过
多？
最近还想跳个 CSP，这种现状下，啥时跳比较合适啊。
谢谢！ |
|
r****b
发帖数: 1087 | 34 Citi 是 fico 08 bankcard enhanced score.
Discover 是 fico 08 classic score.
房贷一般是 fico 04 score. |
|
g*******w
发帖数: 679 | 35 不仅数据来源不同，模型和分数范围也不同。Citi提供的是Equifax FICO 8 Bankcard
Enhanced, 范围是250-900。Discover给的是TransUnion FICO 8 (traditional or
classic), 300-850 |
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n*********d
发帖数: 1603 | 36 我也注意到这点了，但按理说上限高的那个标准分数应该也相应高些吧？我citi的分数
比discover的低了40+，怎么得罪TransUnion了啊
Bankcard |
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d*******a
发帖数: 30 | 37 感觉动作方式和Upromise比较接近，也是返一部分在卡上，返一部分在网站的帐号上。
板上有哪位大神用过么？
买菜网购好像返点都挺不错的样子，还是Amex卡，应该能同步offer吧。 |
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g*******w
发帖数: 679 | 38 Citi: FICO 8 Bankcard Enhanced Score based on Equifax data (range 250-900)
Discover: FICO 8 Classic Score based on TransUnion data (range 300-850) |
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g*******w
发帖数: 679 | 39 Citi给的score是FICO Equifax Bankcard Score 8 (range 250 - 900)，discover给的
是FICO TransUnion (Classic) Score 8 (range 300 - 850) |
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g*******w
发帖数: 679 | 40 AMEX给的是Experian FICO Score 8 (aka. Experian FICO Risk Model v8)，300-850.
一般来说bankcard enhanced scoring model考虑信用卡账户utilization和average
age权重更大，根据情况卡balance多或者新卡多可能导致这个版本的分数低于classic. |
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g*******w
发帖数: 679 | 41 这是我以前一个EQ的截图。Citi给的EQ分数是FICO Bankcard Score 8。
refinance |
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发帖数: 1 | 42 没说批准没批准，今天发个email是几个意思！
First National Bank of Omaha
We have reviewed your application which is pending approval. If approved,
you can expect to receive your card within 7-10 business days.
If you were instantly issued a credit card, congratulations on becoming a
card member. The full benefits of your new card are available to you now.
Cards are issued by First Bankcard, a division of First National Bank of
Omaha. |
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r****b
发帖数: 1087 | 43 fico 内部还有不同的数学模型。
同一个模型还有不同的版本。
citi 用的是 FICO® Bankcard Score 8 model，是针对信用卡优化的。
mint 用什么就不知道了。 |
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g*******w
发帖数: 679 | 44 我记得Mint给的分数是Equifax自家搞的一个educational scoring model，并不是FICO
。Citi给的是FICO 8 Bankcard Enhanced based on Equifax data，范围是250-900。
而FICO 8 Classic的范围是300-850。 |
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u***n
发帖数: 21026 | 45 我就爱你说的第一句话，美帝这里，真的没有中国这样的common sense来决定谁是对的
错的
美帝这里错的都能搞成对的，比如自己拿西瓜摔一跤还能拿700万赔偿的奇葩case
我开始支持楼主去折腾了，去吧，让陪审团法官来决定吧。
搞不好能比哪个买西瓜的都陪的多。
The Equal Credit Opportunity Act (ECOA) is a United States law (codified at
15 U.S.C. § 1691 et seq.), enacted 28 October 1974,[1] that makes it
unlawful for any creditor to discriminate against any applicant, with
respect to any aspect of a credit transaction, on the basis of race, color,
religion, national origin, sex, marital status, or age (provided the
applican... 阅读全帖 |
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t*****y
发帖数: 219 | 46 去年底在Local店买的$100 visa gift card一直没用，最近拿出来用发现被用掉$86，
是在加州的vons.com被用的。dispute到Bankcard services不给解决，因为超过120天
了。有什么方法把钱找回来吗？去买卡的店管用吗？ |
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n***y
发帖数: 15001 | 47 问下你开户的银行就有这个服务...或者bankcard... |
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L******J
发帖数: 54 | 49 请问你这里说的bankcard 跟信用卡接口有什么联系吗？ 谢谢！ |
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