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Author Topic: Credit Cards  (Read 1081 times)

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EnderTopic starter

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Credit Cards
« on: February 04, 2009, 05:51:04 PM »

The banking industry has decided to raise many rates on credit cards and fluctuate their payment times so as to force people to be late.

We're down to two cards now and once they are paid off I'll never have another again.

I think the banking industry has been dealing dishonestly so far as credit cards are concerned.
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thekid65

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Re: Credit Cards
« Reply #1 on: February 04, 2009, 06:02:03 PM »

I tellya, what one really has to watch is your statements. I cant stand CC's..but the wife has several. A few months ago, we got our statement, and noticed the interest rate had been bumped up by 10% or so. WTF??? So the wife calls them, and they said that they had included a letter in the last statement (along with an assload of junk mail that she'll normally discard) informing her of the rate hike. She didnt see it (as it was mixed in with the aforementioned junk mail) and dint know. She called, and bitched.. and shit got corrected. We canceled the card. However, she now looks at all the crap thats included with the monthly statements.. and luckily, we caught a similar notice on another CC. Ya gotta sign the fucking thing, and send it back into them...pretty much telling them that you opt out of the rate hike, and you wont use your CC anymore until the balance is paid off. They are sneaky fucks for sure...fuck them.
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EnderTopic starter

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Re: Credit Cards
« Reply #2 on: February 04, 2009, 06:20:59 PM »

They did pretty much the same thing to us, only they sent out the notice that our due date was changing AFTER it was due. We got it in the mail, no shit, the day AFTER they decided it was overdue. And now it fluctuates. So it can be "due" any time from say the 20th to the 30th.

We're paying them off and dumping them. The interest rates on credit cards is too high to make them feasible anymore. 7 - 9 %? Sure. 25 - 30 %?

You GOTTA be kidding me.

They can shove their credit up their assess. If I can't afford it anymore, I'll do without until I can afford it. Even if they drop it to a more reasonable rate I doubt I'll get another.

Fuck em. I don't need it. The credit cards are the last. Once they are paid, we'll own no one anything. No credit, no mortgauge, no car payment, no student loans

Feels good.
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Re: Credit Cards
« Reply #3 on: February 05, 2009, 07:35:19 AM »

They're crafty twats.  Their latest technique is to data crunch payment defaulters to indicate trends on future defaulters and cut the card before it happens, fuckers are going high tech paranoia now instead of giving you a card if you can demonstrate that you have a pulse.
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The Scoundrel

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Re: Credit Cards
« Reply #4 on: February 05, 2009, 07:54:13 AM »

And now it fluctuates. So it can be "due" any time from say the 20th to the 30th.

That doesn't even sound legal never mind fair.

I think they'll find themselves being taken to court many times over extra charges on that one. One of the biggest industries in the UK at the moment is people claiming back unfair bank charges and i'm damn sure this one would fall foul of some of the new legislation covering that.

Thanks for the heads up though, i'll be checking my statements pretty carefully from now on in case they try to pull any of that shit with me.
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Re: Credit Cards
« Reply #5 on: February 05, 2009, 09:17:28 AM »

I tellya, what one really has to watch is your statements. I cant stand CC's..but the wife has several. A few months ago, we got our statement, and noticed the interest rate had been bumped up by 10% or so. WTF??? So the wife calls them, and they said that they had included a letter in the last statement (along with an assload of junk mail that she'll normally discard) informing her of the rate hike. She didnt see it (as it was mixed in with the aforementioned junk mail) and dint know. She called, and bitched.. and shit got corrected. We canceled the card. However, she now looks at all the crap thats included with the monthly statements.. and luckily, we caught a similar notice on another CC. Ya gotta sign the fucking thing, and send it back into them...pretty much telling them that you opt out of the rate hike, and you wont use your CC anymore until the balance is paid off. They are sneaky fucks for sure...fuck them.

Yep happened to me too! I didn't sign shit but called like your wife did. Got my rate back and i just paid that shit off on accident (transferred the money to that chase account instead of my savings) last week. I didn't cut it up or cancel it but i did lock it up in the safe for a true emergency.
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Re: Credit Cards
« Reply #6 on: February 05, 2009, 05:02:15 PM »

That doesn't even sound legal never mind fair.

I think they'll find themselves being taken to court many times over extra charges on that one.

Paying a few lawyers to settle a few complaints out of court is no problem when you rip off a 100,000 customers every month for a year.
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RizenPhoeniz

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Re: Credit Cards
« Reply #7 on: February 05, 2009, 07:32:07 PM »

They should bring back usery laws. If 10% is good enough for the imaginary being that billions have been killed in the name of, it's good enough for the banks.
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Re: Credit Cards
« Reply #8 on: February 06, 2009, 12:23:17 AM »

I have no problems with credit cards. I never maxed one out, or missed a payment. Although it was tempting when I first got them to buy a bunch I shit, I never did.

Control works wonders.
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Re: Credit Cards
« Reply #9 on: February 06, 2009, 12:32:24 AM »

I don't use credit cards. I have two; neither has a balance on it. If I can't afford to pay cash for an item, then I can't afford it, period. I put shit on layaway, but I won't take anything on credit. If I have to use a card for an online purchase I use my debit card.
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thekid65

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Re: Credit Cards
« Reply #10 on: February 06, 2009, 06:47:59 AM »

It's more the rates I have an issue with, than the actual cards themselves. I think they can be very useful, especially in an cash-flow emergency.  But face it, some of the rates they are charging nowadays (especially if one doesnt have perfect credit) are akin to the ass-raping one gets with a "payday loan".
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OJ Simpson

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Re: Credit Cards
« Reply #11 on: February 06, 2009, 09:22:13 AM »

I personally have 8 credit cards and 3 of them have fixed rates, all of them extremely low. Now it makes me wonder what the rates on the others are.


  But face it, some of the rates they are charging nowadays (especially if one doesnt have perfect credit) are akin to the ass-raping one gets with a "payday loan".

Payday loans are huge up here in WI, but the car title loan is king. We just had a car title loan superstore open up, where they are selling the cars they get, the place is as big as a supermarket.

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Re: Credit Cards
« Reply #12 on: February 06, 2009, 07:03:28 PM »

akin to the ass-raping one gets with a "payday loan".

I didn't even know what a "payday loan" was until i saw this but it seems the APR on these is anywhere between 1000% and 2000% so lets not get hysterical here. Sure cards are getting more expensive but there's still plenty of balance transfer deals to be had and if you pay them off at the end of the month then it's free credit anyway plus free insurance on purchases. I'll carry on using mine but i'm sure gonna look out for that thing of moving your payment date.
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Re: Credit Cards
« Reply #13 on: February 12, 2009, 08:29:59 AM »

Oh. My. God. My idiot ex used MY checking account a few years back to secure like 7 payday loans in one week. The next week, when my paycheck was deposited, my checking account had a negative balance. The next I knew I was getting letters from the bank and all this other happy horseshit, it took me a YEAR to get it straightened out. Payday loans are nothing more than loansharking.
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