Don White wrote:
As per my posts from last month about my treatment by Citibank over interest
on my mastercard......
today my March bill arrived with $1.84 more interest. I quickly called up &
asked what will it cost me to clear this folishness up & cancel my card.
the nice clerk immediately waived the $1.84 interest and passed me on to a
supervisor.
After hearing my story, she apologized and immediately offered me a $25.00
credit and informed me that the $39.00 yearly fee would be squashed.
Only bad thing... my interest rate jumps from 12.9% to 19%........
I agreed because I don't carry balances on my card.
I may...or may not use it anymore..I'll see.


I swore off Loan Shark Credit Cards.
I tried to use the points on my GM card two years ago on a car purchase.
They couldn't/wouldn't honor them.
I paid off the balance but didn't cancel it or the other cards because I
was told it would hurt my FICA score tremendously.
GM was upset of whatever that I wouldn't use their card and cut my
credit line all the way down to 300.00. That hurt my credit score.
So I'm canceling the whole lot tomorrow. It doesn't seem to matter.
The Credit Card Companies write the contract, and enforce the contract
and change any terms or conditions whenever they fee like it. It is a
unilateral contract. You can't even sue or complain about them. You have
to choose an arbitrator from their list and pay for it.
Just how is all of this legal?

Frog Britches wrote:
Don White wrote:
As per my posts from last month about my treatment by Citibank over
interest on my mastercard......
today my March bill arrived with $1.84 more interest. I quickly
called up & asked what will it cost me to clear this folishness up &
cancel my card.
the nice clerk immediately waived the $1.84 interest and passed me on
to a supervisor.
After hearing my story, she apologized and immediately offered me a
$25.00 credit and informed me that the $39.00 yearly fee would be
squashed.
Only bad thing... my interest rate jumps from 12.9% to 19%........
I agreed because I don't carry balances on my card.
I may...or may not use it anymore..I'll see.

I swore off Loan Shark Credit Cards.
I tried to use the points on my GM card two years ago on a car purchase.
They couldn't/wouldn't honor them.
I paid off the balance but didn't cancel it or the other cards because I
was told it would hurt my FICA score tremendously.
GM was upset of whatever that I wouldn't use their card and cut my
credit line all the way down to 300.00. That hurt my credit score.
So I'm canceling the whole lot tomorrow. It doesn't seem to matter.
The Credit Card Companies write the contract, and enforce the contract
and change any terms or conditions whenever they fee like it. It is a
unilateral contract. You can't even sue or complain about them. You have
to choose an arbitrator from their list and pay for it.
Just how is all of this legal?


Actually, the "vig" is less than what many credit card companies charge
these days.

Frog Britches wrote:

I swore off Loan Shark Credit Cards.
I tried to use the points on my GM card two years ago on a car purchase.
They couldn't/wouldn't honor them.
I paid off the balance but didn't cancel it or the other cards because I
was told it would hurt my FICA score tremendously.
GM was upset of whatever that I wouldn't use their card and cut my
credit line all the way down to 300.00. That hurt my credit score.
So I'm canceling the whole lot tomorrow. It doesn't seem to matter.
The Credit Card Companies write the contract, and enforce the contract
and change any terms or conditions whenever they fee like it. It is a
unilateral contract. You can't even sue or complain about them. You have
to choose an arbitrator from their list and pay for it.
Just how is all of this legal?

Something is missing from this story. It just doesn't work that way.
They wouldn't cut your credit line to $300 for not using their card.
Your credit history has some bad marks on it.

D K wrote:
Frog Britches wrote:

I swore off Loan Shark Credit Cards.
I tried to use the points on my GM card two years ago on a car
purchase. They couldn't/wouldn't honor them.
I paid off the balance but didn't cancel it or the other cards because
I was told it would hurt my FICA score tremendously.
GM was upset of whatever that I wouldn't use their card and cut my
credit line all the way down to 300.00. That hurt my credit score.
So I'm canceling the whole lot tomorrow. It doesn't seem to matter.
The Credit Card Companies write the contract, and enforce the contract
and change any terms or conditions whenever they fee like it. It is a
unilateral contract. You can't even sue or complain about them. You
have to choose an arbitrator from their list and pay for it.
Just how is all of this legal?

Something is missing from this story. It just doesn't work that way.
They wouldn't cut your credit line to $300 for not using their card.
Your credit history has some bad marks on it.
No it doesn't. I don't know if my wife kept the letter or not but it
said something to the effect of due to inactivity on the account.

Frog Britches wrote:
D K wrote:
Frog Britches wrote:

I swore off Loan Shark Credit Cards.
I tried to use the points on my GM card two years ago on a car
purchase. They couldn't/wouldn't honor them.
I paid off the balance but didn't cancel it or the other cards
because I was told it would hurt my FICA score tremendously.
GM was upset of whatever that I wouldn't use their card and cut my
credit line all the way down to 300.00. That hurt my credit score.
So I'm canceling the whole lot tomorrow. It doesn't seem to matter.
The Credit Card Companies write the contract, and enforce the contract
and change any terms or conditions whenever they fee like it. It is a
unilateral contract. You can't even sue or complain about them. You
have to choose an arbitrator from their list and pay for it.
Just how is all of this legal?

Something is missing from this story. It just doesn't work that way.
They wouldn't cut your credit line to $300 for not using their card.
Your credit history has some bad marks on it.
No it doesn't. I don't know if my wife kept the letter or not but it
said something to the effect of due to inactivity on the account.

That's strange. I had a lightly used card and they kept offering me
increases. I guess it depends on the bank.

This has been in the news lately. I guess AMEX is trying to limit their
exposure with less-than-perfect card holders...

http://www.bizjournals.com/sanjose/s...3/daily10.html

D K wrote:
Frog Britches wrote:
D K wrote:
Frog Britches wrote:

I swore off Loan Shark Credit Cards.
I tried to use the points on my GM card two years ago on a car
purchase. They couldn't/wouldn't honor them.
I paid off the balance but didn't cancel it or the other cards
because I was told it would hurt my FICA score tremendously.
GM was upset of whatever that I wouldn't use their card and cut my
credit line all the way down to 300.00. That hurt my credit score.
So I'm canceling the whole lot tomorrow. It doesn't seem to matter.
The Credit Card Companies write the contract, and enforce the contract
and change any terms or conditions whenever they fee like it. It is
a unilateral contract. You can't even sue or complain about them.
You have to choose an arbitrator from their list and pay for it.
Just how is all of this legal?

Something is missing from this story. It just doesn't work that way.
They wouldn't cut your credit line to $300 for not using their card.
Your credit history has some bad marks on it.
No it doesn't. I don't know if my wife kept the letter or not but it
said something to the effect of due to inactivity on the account.

That's strange. I had a lightly used card and they kept offering me
increases. I guess it depends on the bank.

This has been in the news lately. I guess AMEX is trying to limit their
exposure with less-than-perfect card holders...

http://www.bizjournals.com/sanjose/s...3/daily10.html
I didn't say Amex.
As far as you making assumptions or accusations I don't give a fat furry
rodent's posterior. I dare say my score is still higher than yours in
all likelyhood.

Frog Britches wrote:
D K wrote:
Frog Britches wrote:
D K wrote:
Frog Britches wrote:

I swore off Loan Shark Credit Cards.
I tried to use the points on my GM card two years ago on a car
purchase. They couldn't/wouldn't honor them.
I paid off the balance but didn't cancel it or the other cards
because I was told it would hurt my FICA score tremendously.
GM was upset of whatever that I wouldn't use their card and cut my
credit line all the way down to 300.00. That hurt my credit score.
So I'm canceling the whole lot tomorrow. It doesn't seem to matter.
The Credit Card Companies write the contract, and enforce the contract
and change any terms or conditions whenever they fee like it. It is
a unilateral contract. You can't even sue or complain about them.
You have to choose an arbitrator from their list and pay for it.
Just how is all of this legal?

Something is missing from this story. It just doesn't work that
way. They wouldn't cut your credit line to $300 for not using their
card. Your credit history has some bad marks on it.
No it doesn't. I don't know if my wife kept the letter or not but it
said something to the effect of due to inactivity on the account.

That's strange. I had a lightly used card and they kept offering me
increases. I guess it depends on the bank.

This has been in the news lately. I guess AMEX is trying to limit
their exposure with less-than-perfect card holders...

http://www.bizjournals.com/sanjose/s...3/daily10.html
I didn't say Amex.
As far as you making assumptions or accusations I don't give a fat furry
rodent's posterior. I dare say my score is still higher than yours in
all likelyhood.


I don't think you or DK could score in a harem of horny whores.

HK wrote:
Frog Britches wrote:
D K wrote:
Frog Britches wrote:
D K wrote:
Frog Britches wrote:

I swore off Loan Shark Credit Cards.
I tried to use the points on my GM card two years ago on a car
purchase. They couldn't/wouldn't honor them.
I paid off the balance but didn't cancel it or the other cards
because I was told it would hurt my FICA score tremendously.
GM was upset of whatever that I wouldn't use their card and cut my
credit line all the way down to 300.00. That hurt my credit score.
So I'm canceling the whole lot tomorrow. It doesn't seem to matter.
The Credit Card Companies write the contract, and enforce the
contract
and change any terms or conditions whenever they fee like it. It
is a unilateral contract. You can't even sue or complain about
them. You have to choose an arbitrator from their list and pay for
it.
Just how is all of this legal?

Something is missing from this story. It just doesn't work that
way. They wouldn't cut your credit line to $300 for not using their
card. Your credit history has some bad marks on it.
No it doesn't. I don't know if my wife kept the letter or not but it
said something to the effect of due to inactivity on the account.

That's strange. I had a lightly used card and they kept offering me
increases. I guess it depends on the bank.

This has been in the news lately. I guess AMEX is trying to limit
their exposure with less-than-perfect card holders...

http://www.bizjournals.com/sanjose/s...3/daily10.html
I didn't say Amex.
As far as you making assumptions or accusations I don't give a fat
furry rodent's posterior. I dare say my score is still higher than
yours in all likelyhood.


I don't think you or DK could score in a harem of horny whores.
I'd like to try but wife says no.

Frog Britches wrote:
D K wrote:
Frog Britches wrote:
D K wrote:
Frog Britches wrote:

I swore off Loan Shark Credit Cards.
I tried to use the points on my GM card two years ago on a car
purchase. They couldn't/wouldn't honor them.
I paid off the balance but didn't cancel it or the other cards
because I was told it would hurt my FICA score tremendously.
GM was upset of whatever that I wouldn't use their card and cut my
credit line all the way down to 300.00. That hurt my credit score.
So I'm canceling the whole lot tomorrow. It doesn't seem to matter.
The Credit Card Companies write the contract, and enforce the contract
and change any terms or conditions whenever they fee like it. It is
a unilateral contract. You can't even sue or complain about them.
You have to choose an arbitrator from their list and pay for it.
Just how is all of this legal?

Something is missing from this story. It just doesn't work that
way. They wouldn't cut your credit line to $300 for not using their
card. Your credit history has some bad marks on it.
No it doesn't. I don't know if my wife kept the letter or not but it
said something to the effect of due to inactivity on the account.

That's strange. I had a lightly used card and they kept offering me
increases. I guess it depends on the bank.

This has been in the news lately. I guess AMEX is trying to limit
their exposure with less-than-perfect card holders...

http://www.bizjournals.com/sanjose/s...3/daily10.html
I didn't say Amex.
As far as you making assumptions or accusations I don't give a fat furry
rodent's posterior. I dare say my score is still higher than yours in
all likelyhood.

You don't read very well, do you? I was referring to a VISA card. The
link was related information only. I only have an AMEX for my business.
I like getting a monthly 2% rebate with their Plum Card ($2K+). As
for credit scores, don't count on that, bozo. I just refinanced my
house for 4.375% A 750+ was a requirement for that rate.