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.

On Feb 27, 3:23*pm, "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.

Well, isn't that special.

"GC Boater" wrote in message
...
On Feb 27, 3:23 pm, "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.

Well, isn't that special.

************************************

I hear the Rainbow Coalition calling your name. Looks like everyone is
bailing out on JustHates Glee Club.

On Feb 27, 8:29*pm, "Don White" wrote:
"GC Boater" wrote in message

...
On Feb 27, 3:23 pm, "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.

Well, isn't that special.

************************************

I hear the Rainbow Coalition calling your name. *Looks like everyone is
bailing out on JustHates Glee Club.

Hey Donnie Boy, you ever taken an IQ test?

"GC Boater" wrote in message
...
On Feb 27, 8:29 pm, "Don White" wrote:
"GC Boater" wrote in message

...
On Feb 27, 3:23 pm, "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.

Well, isn't that special.

************************************

I hear the Rainbow Coalition calling your name. Looks like everyone is
bailing out on JustHates Glee Club.

Hey Donnie Boy, you ever taken an IQ test?

***********************************

mmmmmmmmmmm would it teach a person proper grammar? as per "you ever
taken an IQ test"

Don White wrote:
"GC Boater" wrote in message
...
On Feb 27, 8:29 pm, "Don White" wrote:
"GC Boater" wrote in message

...
On Feb 27, 3:23 pm, "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.
Well, isn't that special.

************************************

I hear the Rainbow Coalition calling your name. Looks like everyone is
bailing out on JustHates Glee Club.

Hey Donnie Boy, you ever taken an IQ test?

***********************************

mmmmmmmmmmm would it teach a person proper grammar? as per "you ever
taken an IQ test"




"You ever taken an English class?" :)


You gotta love it when idiots like "GC" offer up "corrections." No
wonder the turd lives in my bozo bin.

Isn't he the one whose seeeeeester blew her way through the bar...or was
it the bar exam?

On Feb 28, 6:59*am, "Don White" wrote:
"GC Boater" wrote in message

...
On Feb 27, 8:29 pm, "Don White" wrote:





"GC Boater" wrote in message

...
On Feb 27, 3:23 pm, "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.

Well, isn't that special.

************************************

I hear the Rainbow Coalition calling your name. Looks like everyone is
bailing out on JustHates Glee Club.

Hey Donnie Boy, you ever taken an IQ test?

***********************************

mmmmmmmmmmm * would it teach a person proper grammar? * as per "you ever
taken an IQ test"- Hide quoted text -

- Show quoted text -

But Donnie Boy, ever what was your score when you went and took that
IQ test?

On Feb 27, 8:41*pm, GC Boater wrote:
On Feb 27, 3:23*pm, "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.

Well, isn't that special.

A " Turd " returns....... See above comment.

"Don White" wrote in message
...
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.

Heck, when my banker asked if I had their card in 2004 I said no as all your
cards are with service fees. They offered me a no fee and 1% kickback card.
Yep, one a year I get a cheque for 1% of my purchases. I do think the rates
are high for untimely payment, but I always pay in full on time.

I will not pay for a card.