Home Forums Hunting & Shooting Hunter's Campfire Just canceled my Cabelas card

It was that way BEFORE Capital One took over.....

We once sent in a payment but did not take into consideration a federal holiday and were one day late with a payment. They charged interest and when confronted about it, were told sorry, but those were the rules.

We have went back to Discover. Have had Cabela’s Black Card for years. Got jipped out of points on a somewhat large purchase recently. Both calls to customer service ended after a grand circle jerk of reps directing me to various departments. Poor experience to say the least. Cabela’s customer service was top notch the few times I had issues. A few minutes on the phone and issue always resolved. They were also very good at fraud detection and took care of it both times my card was charged or attempted to be charged by scammers. Sorry to see the change. Until we find something better Discover is our choice.

I live close to the Wheeling WV store and was a regular shopper. Been a few months since I’ve stopped and don’t plan on any visits. Finding everything I need online and most times cheaper. Selection/inventory very poor and prices really high compared to many other online options. Thus far it’s a shame what our store has become.

I've got all the major cards and my main card is Discover. I don't think you can beat it overall. The one downside is that it isn't quite as accepted as MC or Visa.

I use my card at restaurants quite often. I do sometimes wonder how many hands it goes through before it gets back to me. And who those who handle it are. Been lucky so far with only one instance where my bank called me to ask if I had tried to buy a $200 gift certficate from walmart. I hadnt and they
Shut the card down. I got a new one in the mail in a few days and nothing more came of it. Maybe paying cash for lunch aint such a bad idea.

What's amazing about the campfire is how many people complain about snowflakes and millennials and then how many posts like this there are.

PSA for anyone paying bills. Most bills have a penalty for paying late. Don't want the penalty, pay your dang bill on time. Pretty simple really. Want to complain, you'd be better served complaining to the one responsible for paying the bills on time. My CC bill is due on the same day every month. Pretty much the same as all my other bills. I know when they need to be paid. If they don't get paid, I figure it's my fault. Sometimes I have a hard time understanding the way grown adults think.

All our bills are paid electronically. (Wife is the accountant, and she would forget now and then. E-pay avoids that)

But, they are paid on a rewards card. That avoids giving people access to MY money.

The card, gets paid with the one check and envelope sent out per month.

When we go on vacation, the gas is free (points) along with the occasional tank.

All my investment money is in Fidelity, so I use a Fidelity Visa card. I get 2% back on everything, and I use it on everything I buy. Adds up pretty quick and I can use that money anywhere, not just at Cabelas. I canceld the Cableas card years ago.

explain how my credit score can affect my car insurance and homeowner insurance, so if I have bad credit I'm a bad driver if I have good credit I'm a good driver?

Here's a link to give you more info - https://www.esurance.com/info/car/myth-your-credit-score-doesnt-affect-your-insurance-rate

And a quote from the article.

"Research shows that credit scores can accurately predict accident potential. Statistical analysis shows that those with higher credit scores tend to get into fewer accidents and cost insurance companies less than their lower-scoring counterparts.

In 2003, The University of Texas (PDF) conducted an analysis based on 175,647 policies. They found that those with lower credit scores tended to incur more car insurance losses and higher claims payout, and thus posed greater risk to auto insurers.

The Federal Trade Commission (PDF) also undertook an independent study to understand the relationship between credit history and risk. Like The University of Texas, they found that credit-based insurance scores are effective predictors of risk."

I just dont beleive this research

More or less yes. The insurance companies feel there is a correlation between a good credit score and a lower insurance risk.

Just some more scams against the consumer.. I don't use credit cards and don't even have a FICA score.
So most insurance companies consider me a mass murder on the hwy over that issue.. I go round and round with USAA each time our policy has to renew...

Capitol One is a good example of why I don't have credit cards.... 20 plus years ago, my wife had a Sears Card she had since she started working there in High School. She kept a balance of about $500 on it, but she'd make payments and all she seemed to be doing was paying interest...not the balance down.

So I took it and mailed the entire $500.00 she owed on it when she got another monthly statement and then told them to cancel the card...and mailed them the cut up pieces with the notice.. This was the day after she received the bill in the mail.

Fast forward 3 or 4 years....We had moved and changed a mailing address from MN to Oregon.
We get a collection notice from them for like $600 or $700. We show the collection agency where we had paid off her balance in full a long time ago....the "charges" were for accumulated late fees...

Sears explanation was that even tho we had paid the 'balance' off in full, the payment was processed AFTER the due date, even tho it had been mailed in way before.... they claimed it was held up in a QUE...so until they actually process it, that is the day considered received... and they had constantly held it up on purpose to be "late"....so they just kept on adding monthly late fees for 3 or 4 years plus interest....

I told them F.U. I'll see you AHoles when you take her to court. We took in the receipts and canceled check, showing it had been paid off, and then their explanation of they credited it way after it was received.. so they could charge this late payment BS.....Judge saw it my way, that case lasted about 3 minutes.

Collection clowns just played innocent stating they were just representing their clients interest...
Those type of lawyers are as big of thieves as their "clients".....

Personally I haven't carried a credit card since 2002... and the only reason I carried them up to that time was my companies required it to pay expenses and they then reimbursed the employee.....they did it that way, because employees had used company credit cards for their own expenses and left owing the company plenty of money.... so the companies figured it was easier for them to owe the employee money back...

Then it was not uncommon for them to not reimburse final expenses owed to the employee, for doing company business....

We can all thank sleazy accountants and lawyers for that racket.

Handy, but NO CCs for me. If buying online I use one bank debit card I keep a minimum balance in and add to it when buying something, but nothing extra. Another (different) bank debit card/checking account for all monthly bills and the debit card my SS comes to me on..........that I take to the bank and take all but 100 in cash.

Once a month I put in what's needed for those two cards, write and mail checks and leave enough for (mandated, which pisses me off) "automatic payments" they withdraw monthly in one of them. Then I put it all out of my mind.

Been that way 16 years (every since the last CC using maniac I was with left)..,except for the SS card that isn't THAT old.

The only trouble I have had with a CC company is one saying I applied for one of their cards................and sent it to me.

Wrong. Took me 3 months to get that reversed but I did.

I've a limited income and an unlimited want list so........I "outsmart myself." HAHAHA.

I don't have the cash in hand, I don't buy it.

No one keeps track of what I buy when I pay cash. I'm old. That's how I like it.

YMMV

God Bless
Steve

So, let me get this straight, you were late with "your" payment and now it is their fault??????????????

You sound like a precious little snowflake little bitch. Could be it's time to turn in your man card, start wearing your pink pussy hat, and go out and attend a Hillary march. You are such a douche.

Frankly, I think that's the pitch banks use to convince people they need credit cards. I haven't had a credit card in 20-years, I pay my bills on time, and I have zero problems getting a loan at the lowest rate on the rare occasion I want one. This is also true for my wife and everyone I know that pays responsibly.

That was some harsh piling-on, dude.

I love this place! Discussions morph so far....now we're bashing insurance companies and Sears (I'm all for bashing Sears ).

Even if the correlation between credit rating and insurance claim risk is not real, I would expect that insurance companies might be looking at the proof of whether or not the prospective insured pays bills on time. I guess the only other way to cover that liability would be to charge a deposit, like a rental agency does.

Those of you who simply don't use credit enough to have a good rating....I admire your tenacity.

Online banking my friend.

But really, who cares?

I got my BP/Cabela's Capital One card in the mail, but I don't know if I'll activate it. I don't have a problem with avoiding late fees or credit card fraud; I have a problem with the Bass Pro organization donating money in support of Proposition One on this year's Alaska ballot. This has led me to believe they're a bunch of clueless [bleep]. (The fact that the local Cabela's has a greatly increased amount of shoddy metrosexual clothing, scented candles, crappy kids toys, and other [bleep] I'd expect to see for sale at a Cracker Barrel restaurant also causes me to hesitate.)

I had the Southwest Airline card from Chase. I've had the card for years. Almost every month I have paid the balance in full for the charges I made the prior month. Somehow I missed the due date for the bill a few months ago and they jacked my interest rate through the roof in addition to the late fee. Even though I pay virtually no interest due to the way I pay off the balance each month, I called to complain and asked them if its worth losing a customer over. They wouldn't fix it, so I went adios.