(OT) Credit Cards

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

best thing we ever did was get ri of all credit cards. Lee
"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

"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

we use a debit card from visa that works the same for the merchant as a
credit card. Lee
"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

"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

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

"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

"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


Can you have a debit card instead? That extracts money straight out of your
bank account and most places take them, including my vet.
I don't have a credit card, never have done, but I use my debit card all the
time.

I would also be a bad credit risk because I owe nothing, the cc companies
like to see you are reliably paying debts back to judge your
creditworthiness.
If you fall outside those norms of living above income, paying on credit
cards until you get paid again to pay off your card and so on ad infinitum,
well, that's just weird ;-) or so they think.
I do still have a cheque book, I pay my log supplier with it and a couple of
other small businesses, but most have the little thingie machine that
enables them to take a debit card. There is talk here of phasing cheque
books out entirely soon.
Tweed

i read that article about uk recently... said already eighty percent don't
use checks/cash anymore...

i .. we dh and i belong to the weird club as well, i am not interested in a
fico score or owing money, Lee
"Christina Websell" wrote in message
...

"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


Can you have a debit card instead? That extracts money straight out of
your bank account and most places take them, including my vet.
I don't have a credit card, never have done, but I use my debit card all
the time.

I would also be a bad credit risk because I owe nothing, the cc companies
like to see you are reliably paying debts back to judge your
creditworthiness.
If you fall outside those norms of living above income, paying on credit
cards until you get paid again to pay off your card and so on ad
infinitum, well, that's just weird ;-) or so they think.
I do still have a cheque book, I pay my log supplier with it and a couple
of other small businesses, but most have the little thingie machine that
enables them to take a debit card. There is talk here of phasing cheque
books out entirely soon.
Tweed

I haven't written a cheque in the last 10 years, I use a credit or debit
card, cash or internet banking.

Stormmee wrote:
i read that article about uk recently... said already eighty percent don't
use checks/cash anymore...



--
Adrian (Owned by Bagheera & Shadow)
Cats leave pawprints on your heart
http://community.webshots.com/user/clowderuk