Transistor (https://transistor.fm) https://feeds.transistor.fm/memoirs-of-a-debt-collector Stories of collecting debt, education on credit cards, and managing money. 2020 Debt Memoirs Co 52f00700-58ca-5bf1-97f5-fb13c42a0368 no en Sun, 30 Nov 2025 18:38:30 -0700 Sun, 30 Nov 2025 18:39:02 -0700 http://Debtmemoirs.com https://img.transistor.fm/RGVaaON0l4gEv-2zid5fz8dmmZCdCIF921odOIHF9Es/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9zaG93/LzExMTgxLzE1OTA4/NzU2NjUtYXJ0d29y/ay5qcGc.jpg http://Debtmemoirs.com episodic Julie Cahoon Stories of collecting debt, education on credit cards, and managing money. Stories of collecting debt, education on credit cards, and managing money.. Finance, debt, credit cards, consolidators, manage, budget, overwhelmed, interest, terms and conditions Julie Cahoon No No 4 4 Who knew there were network fees? Wait, how do you apply for a credit card? full 747ec33d-83c9-43cc-b49f-e4859a3343bd https://share.transistor.fm/s/dbfa94b2 Review of Visa, Mastercard and network fees including interchange fees. Break down of the process of how to apply for a credit card and how to build credit. Discussion of the scale of a credit score and the different credit bureaus including Experian, TransUnion, and Equifax.

]]> Review of Visa, Mastercard and network fees including interchange fees. Break down of the process of how to apply for a credit card and how to build credit. Discussion of the scale of a credit score and the different credit bureaus including Experian, TransUnion, and Equifax.

]]> Sun, 30 Nov 2025 18:38:24 -0700 Julie Cahoon Julie Cahoon 4172 Review of Visa, Mastercard and network fees including interchange fees. Break down of the process of how to apply for a credit card and how to build credit. Discussion of the scale of a credit score and the different credit bureaus including Experian, TransUnion, and Equifax.

]]> Finance, debt, credit cards, consolidators, manage, budget, overwhelmed, interest, terms and conditions Yes 3 3 Stop Calling Me! Merchants, buyers, networks, but wait, there's more! full a207dfc7-6447-4f27-b24f-f34d1d5d63c0 https://share.transistor.fm/s/0d475667 This episode explores the human emotions people feel, how to actively listen, what does it really mean when someone says "stop calling me" and the ramifications that come with that. An example of a customer complaining about why they were given a line of credit and exploration of how many credit card applications have been made, the process of applying for a credit card over time. There is more in depth discussion of the basics of the credit card system and an explanation of worldwide processing networks. Explanation on what a merchant is, a credit card issuer, and a credit card or payment network that goes into explanation of an open network verses a closed network.

]]> This episode explores the human emotions people feel, how to actively listen, what does it really mean when someone says "stop calling me" and the ramifications that come with that. An example of a customer complaining about why they were given a line of credit and exploration of how many credit card applications have been made, the process of applying for a credit card over time. There is more in depth discussion of the basics of the credit card system and an explanation of worldwide processing networks. Explanation on what a merchant is, a credit card issuer, and a credit card or payment network that goes into explanation of an open network verses a closed network.

]]> Fri, 01 Aug 2025 04:41:37 -0600 Julie Cahoon Julie Cahoon 3594 This episode explores the human emotions people feel, how to actively listen, what does it really mean when someone says "stop calling me" and the ramifications that come with that. An example of a customer complaining about why they were given a line of credit and exploration of how many credit card applications have been made, the process of applying for a credit card over time. There is more in depth discussion of the basics of the credit card system and an explanation of worldwide processing networks. Explanation on what a merchant is, a credit card issuer, and a credit card or payment network that goes into explanation of an open network verses a closed network.

]]> Emotions, emotive feelings, active listening, merchants, card issuers, banks, loans, credit card, network, Visa, Mastercard, American Express, Discover Network, Diners Club No 2 2 New Beginnings full e4afa75a-5e25-44ee-9d87-a2a7f5b9287b https://share.transistor.fm/s/9168e845 Conversation between two team leaders that work at a credit card-card company and different stories about different scenarios that we have come across collecting money for a credit card collections department. Discussion around spouses opening up accounts, people opening up accounts with 0% interest promos and expectations around certain programs offered to individuals. Cash advance, high interest rates, building credit and best practices for handling credit cards.

]]> Conversation between two team leaders that work at a credit card-card company and different stories about different scenarios that we have come across collecting money for a credit card collections department. Discussion around spouses opening up accounts, people opening up accounts with 0% interest promos and expectations around certain programs offered to individuals. Cash advance, high interest rates, building credit and best practices for handling credit cards.

]]> Tue, 17 Jun 2025 02:14:46 -0600 Julie Cahoon Julie Cahoon 3646 Conversation between two team leaders that work at a credit card-card company and different stories about different scenarios that we have come across collecting money for a credit card collections department. Discussion around spouses opening up accounts, people opening up accounts with 0% interest promos and expectations around certain programs offered to individuals. Cash advance, high interest rates, building credit and best practices for handling credit cards.

]]> Finance, debt, credit cards, consolidators, manage, budget, overwhelmed, interest, terms and conditions Yes 1 1 YOU SCREWED ME OVER! full 1946d687-aad4-4e23-ab31-000db09387ff https://share.transistor.fm/s/b7d33232 Explanation of what happens when an account charges off. The story talks about a lady who is angry with the company, the lady has 30 minutes to save her account from charging off and she misses the charge off by 3 minutes because the lady rants about how horrible her experience she had. Ironically, looking over her account, she called in was the day after the payment processed. The lady rants how she was a victim of horrible service. She rants about interest on her card. Interest on a credit card is explained through reading a credit card statement and the disclosure for late payment warnings, and paying off interest, and how not to pay interest on a credit card.

]]> Explanation of what happens when an account charges off. The story talks about a lady who is angry with the company, the lady has 30 minutes to save her account from charging off and she misses the charge off by 3 minutes because the lady rants about how horrible her experience she had. Ironically, looking over her account, she called in was the day after the payment processed. The lady rants how she was a victim of horrible service. She rants about interest on her card. Interest on a credit card is explained through reading a credit card statement and the disclosure for late payment warnings, and paying off interest, and how not to pay interest on a credit card.

]]> Wed, 17 Jun 2020 08:00:00 -0600 Julie Cahoon Julie Cahoon 1719 Explanation of charge off debt, story about lady saying her account was screwed over with interest and was about to charge off, she missed the charge off by 3 minutes. Explanation of interest charged on a credit card. Explanation of charge off debt, story about lady saying her account was screwed over with interest and was about to charge off, she missed the charge off by 3 minutes. Explanation of interest charged on a credit card. Finance, debt, credit cards, consolidators, manage, budget, overwhelmed, interest, terms and conditions No