If this is your first visit, be sure to check out the FAQ by clicking the link above. You may have to register before you can post: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. |
|
|
Thread Tools | Display Modes |
#31
|
|||
|
|||
(OT) Credit Cards
well i will probably never have another cc because i really hate them but it
does suck that you are being responsible and being punished for it... but you have other cards i think so like you said, good bye to usless banks, Lee "jmcquown" wrote in message ... "Stormmee" wrote in message ... we use a debit card from visa that works the same for the merchant as a credit card. Lee I do have a debit card I use for regular household bills, everyday expenses and incidentals. I don't keep a lot of money in that account. It doesn't earn interest (if it did the money goes out too fast every month for it to accrue and the potential interest rate sucks anyway.) Persia's vet bills were unexpected. Yes, she had a "savings account". But after her tooth was pulled and she got very ill, then she was allergic to the thyroid medication and having to stay at the vet several times, well, it burned that up. It was time to use HER credit card, which had never been used before. Then the bank reviewed my usage and cut the credit limit in half. All because I was a good customer, paying the bill in full every month. Usurers! They'd rather I be a deadbeat running up a ton of debt so they can charge exhorbitant interest and late fees because I can't pay my bill. So sorry, but I *can* pay my bill. Chase Bank can kiss my a**. Jill "jmcquown" wrote in message ... "Stormmee" wrote in message ... best thing we ever did was get ri of all credit cards. Lee Unfortunately, not all places take checks. And I'm not inclined to walk around with a lot of cash in my wallet. Jill "jmcquown" wrote in message ... I was on the phone arguing with Chase Bank this morning. That's the credit card I was using to pay all of Persia's vet bills. I have never used it for anything else. I got a letter in the mail yesterday saying they'd lowered my credit limit based on my "usage". Um, excuse me, it's based on the fact that I'm *not* a slacker who racks up interest and late fees by making minimum payments. I pay the bill in full every month. Banks and credit card companies these days don't reward good solid customers. They welcome deadbeats who can't pay their bills. They welcome people who think nothing of going 30, 60, 90 days past the due date. Because these cards are raking in money in late fees and exhorbitant interest. Sorry, I'm not one of those people. I paid the bill in full, cut up the card and closed the account. Screw you people. Your bank will never darken my door again. Usurers! Jill |
#32
|
|||
|
|||
(OT) Credit Cards
"jmcquown" wrote in message ... "Stormmee" wrote in message ... we use a debit card from visa that works the same for the merchant as a credit card. Lee I do have a debit card I use for regular household bills, everyday expenses and incidentals. I don't keep a lot of money in that account. It doesn't earn interest (if it did the money goes out too fast every month for it to accrue and the potential interest rate sucks anyway.) Persia's vet bills were unexpected. Yes, she had a "savings account". But after her tooth was pulled and she got very ill, then she was allergic to the thyroid medication and having to stay at the vet several times, well, it burned that up. It was time to use HER credit card, which had never been used before. Then the bank reviewed my usage and cut the credit limit in half. All because I was a good customer, paying the bill in full every month. Usurers! They'd rather I be a deadbeat running up a ton of debt so they can charge exhorbitant interest and late fees because I can't pay my bill. So sorry, but I *can* pay my bill. Chase Bank can kiss my a**. Jill WellsFargo did the same thing to my sister. She has never missed a payment and has never been late, but they cut her credit limit *and* raised her interest rate. They seem to pay no attention to credit-worthiness when making these decisions. MaryL |
#33
|
|||
|
|||
(OT) Credit Cards
On May 9, 9:06*pm, "MaryL" -OUT-THE-LITTER
wrote: "jmcquown" wrote in message ... "Stormmee" wrote in message ... we use a debit card from visa that works the same for the merchant as a credit card. *Lee I do have a debit card I use for regular household bills, everyday expenses and incidentals. *I don't keep a lot of money in that account. |
#34
|
|||
|
|||
(OT) Credit Cards
"Sherry" wrote in message ... On May 9, 9:06 pm, "MaryL" -OUT-THE-LITTER wrote: "jmcquown" wrote in message ... "Stormmee" wrote in message ... we use a debit card from visa that works the same for the merchant as a credit card. Lee I do have a debit card I use for regular household bills, everyday expenses and incidentals. I don't keep a lot of money in that account. It doesn't earn interest (if it did the money goes out too fast every month for it to accrue and the potential interest rate sucks anyway.) Persia's vet bills were unexpected. Yes, she had a "savings account". But after her tooth was pulled and she got very ill, then she was allergic to the thyroid medication and having to stay at the vet several times, well, it burned that up. It was time to use HER credit card, which had never been used before. Then the bank reviewed my usage and cut the credit limit in half. All because I was a good customer, paying the bill in full every month. Usurers! They'd rather I be a deadbeat running up a ton of debt so they can charge exhorbitant interest and late fees because I can't pay my bill. So sorry, but I *can* pay my bill. Chase Bank can kiss my a**. Jill WellsFargo did the same thing to my sister. She has never missed a payment and has never been late, but they cut her credit limit *and* raised her interest rate. They seem to pay no attention to credit-worthiness when making these decisions. MaryL- Hide quoted text - I thought Congress passed a thing recently that forbid CC companies from raising interest rates for no reason. I'm not sure about this, though. Jill is right in that the CC companies don't want customers who don't carry a balance or pay big interest. What is (OT) *really* unfair is that in the state of OK, your credit score affects your ability to purhase auto insurance and the premiums you pay. This is NOT FAIR. In this economy, I have seen so many people whose credit score has tanked through no fault of their own. Bad things happen to good people, and those things don't affect their ability to drive safely. It is so unfair. IMO it's just giving carte blanche to the insurance companies to jack up the rates for drivers who are simply going through some tough economic times. And these are people with perfect, no- accident, no-ticket driving records. Sherry Unfortunately, my sister does carry a large balance, so she can't afford to pay it off. But she has never been late and has usually paid considerably more than the minimum. Wells Fargo made the changes on her account (reduced her credit and raised her interest rate) just before the new law took effect. I thought, from the very beginning, that Congress made a huge mistake by giving credit cards so much time to make changes before the law was effective. Credit card companies claimed that they needed the time to adjust their software, but what they really did was hit the consumer with every dirty trick they could concoct. And now, of course, they have already started to charge annual fees to compensate for their "losses." MaryL |
#35
|
|||
|
|||
(OT) Credit Cards
"Sherry" wrote
"MaryL" WellsFargo did the same thing to my sister. She has never missed a payment and has never been late, but they cut her credit limit *and* raised her interest rate. They seem to pay no attention to credit-worthiness when I thought Congress passed a thing recently that forbid CC companies from raising interest rates for no reason. They did Sherry. The problem is the credit card companies jacked rates just before it went into effect. Home Depot jacked me to 36%. JC Penny did same. Citibank and Chase went up and we cancelled the Chase, Home Depot and JC Penny cards and contacted Citibank (owed none of these 4 anything) who reduced the rate back down. We pretty much told them reduce or cancel. We use that one only as an emergency backup (has an annual fee). Navy Federal Credit Union was the only one that didn't change. |
#36
|
|||
|
|||
(OT) Credit Cards
"cshenk" wrote in message ... "Sherry" wrote "MaryL" WellsFargo did the same thing to my sister. She has never missed a payment and has never been late, but they cut her credit limit *and* raised her interest rate. They seem to pay no attention to credit-worthiness when I thought Congress passed a thing recently that forbid CC companies from raising interest rates for no reason. They did Sherry. The problem is the credit card companies jacked rates just before it went into effect. Home Depot jacked me to 36%. JC Penny did same. Citibank and Chase went up and we cancelled the Chase, Home Depot and JC Penny cards and contacted Citibank (owed none of these 4 anything) who reduced the rate back down. We pretty much told them reduce or cancel. We use that one only as an emergency backup (has an annual fee). Navy Federal Credit Union was the only one that didn't change. Some one else that chase screwed with. I have very credit high limits on all my card low APR's. I maintain a balance to keep the limits. The way you are supposed to do to keep good credit ;-). They took my credit limit and dropped it below an already established balance also jacked my interest rate from 4.99% to 27.99%. Than they tried to charge me fees and other items for being over my limit. I told them that was illegal. I would not pay take them off and or I was contacting a lawyer. They removed the fees and increased my credit back to where it was after some time and multiple people on the phone. I paid them off immediately and told them to shove it where the sun don't shine. Right now I am getting rid of any credit cards I have except My business American express and I am keeping only one credit card besides my visa/debit card that is through my bank. Dad thing is I won't be able to use any of my points every year to get my vacation paid for ;-( |
Thread Tools | |
Display Modes | |
|
|
Similar Threads | ||||
Thread | Thread Starter | Forum | Replies | Last Post |
OT Care Credit | BfloPolska | Cat anecdotes | 2 | November 6th 09 08:40 AM |
Cat w/Credit Card? | James Dent | Cat anecdotes | 10 | August 13th 09 05:21 AM |
Care Credit | LauraM[_2_] | Cat health & behaviour | 2 | March 16th 09 01:01 AM |
Aussie cat gets Credit Card | Yowie | Cat anecdotes | 10 | January 5th 07 04:55 PM |
OT cell phones and credit cards | Brenda | Cat anecdotes | 6 | January 30th 04 09:55 PM |