CC rate increases
10-28-2009, 02:18 AM
#22
), but pay every penny back at the end of the month. If I can't afford it, it doesn't go on the card...And while we're talking about credit cards, I just wanted to add... Capital One FTW! I somehow forgot to pay my bill one month, called them up, told them what happened and they said "No problem sir, we understand that things happen from time to time, we'll go ahead and waive that fee. Thank you for your business and have a great day." Plus you can add your own picture... I've got this super cute Miata credit card
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10-28-2009, 02:55 AM
#23
Former Vendor
iTrader: (31)
Join Date: Nov 2006
Location: Sunnyvale, CA
Posts: 15,442
Total Cats: 2,100
He said there is nothing more satisfying than investing with someone else's money.
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10-28-2009, 10:13 AM
#26
2 Props,3 Dildos,& 1 Cat
iTrader: (8)
Join Date: Jun 2005
Location: Fake Virginia
Posts: 19,338
Total Cats: 573
I love pie.
I also have this lame credit card from Wells Fargo from when I was in high school that came with the account I got back then. A few months ago they dropped the credit limit from some huge number to some wimpy number.
A few weeks ago they raised the interest rate.
I carry zero balance on it--I think it only is connected to my PS3 wallet when I buy games--about every six months I spend 9.99.
But as joe's pie shows, length of account history is key. no annual fee means this account will languish forever!!
I also have this lame credit card from Wells Fargo from when I was in high school that came with the account I got back then. A few months ago they dropped the credit limit from some huge number to some wimpy number.
A few weeks ago they raised the interest rate.
I carry zero balance on it--I think it only is connected to my PS3 wallet when I buy games--about every six months I spend 9.99.
But as joe's pie shows, length of account history is key. no annual fee means this account will languish forever!!
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10-28-2009, 02:34 PM
#34
+1.
And while we're talking about credit cards, I just wanted to add... Capital One FTW! I somehow forgot to pay my bill one month, called them up, told them what happened and they said "No problem sir, we understand that things happen from time to time, we'll go ahead and waive that fee. Thank you for your business and have a great day." Plus you can add your own picture... I've got this super cute Miata credit card
And while we're talking about credit cards, I just wanted to add... Capital One FTW! I somehow forgot to pay my bill one month, called them up, told them what happened and they said "No problem sir, we understand that things happen from time to time, we'll go ahead and waive that fee. Thank you for your business and have a great day." Plus you can add your own picture... I've got this super cute Miata credit card
I have a card with them, yes I carry a balance, but I make sizeable payments on it every month. Never paid late. Never pay minimum. Never been over my limit.
The rate jumped this spring from 9% up to 15% out of nowhere. I just got a letter the other day, now its going up to 25%. Wtfz gives?
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10-28-2009, 03:33 PM
#36
Boost Pope
iTrader: (8)
Join Date: Sep 2005
Location: Chicago. (The less-murder part.)
Posts: 33,045
Total Cats: 6,607
What's interesting to me is that, almost without exception, we stand as one to decry deficit spending on the part of our government.
"Hello, Kettle? Pot here."
We then turn around and blame the third party which enabled this behavior, calling them evil simply for doing exactly what they told us they reserved the right to do when we first signed up.
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10-28-2009, 03:35 PM
#37
What gives is that for some reason, a certain segment of the population finds it acceptable to rely upon revolving credit as a means of financing everyday expenditures.
What's interesting to me is that, almost without exception, we stand as one to decry deficit spending on the part of our government.
"Hello, Kettle? Pot here."
We then turn around and blame the third party which enabled this behavior, calling them evil simply for doing exactly what they told us they reserved the right to do when we first signed up.
What's interesting to me is that, almost without exception, we stand as one to decry deficit spending on the part of our government.
"Hello, Kettle? Pot here."
We then turn around and blame the third party which enabled this behavior, calling them evil simply for doing exactly what they told us they reserved the right to do when we first signed up.
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10-28-2009, 04:23 PM
#38
assuming that my balance is revolving = false assumption
nowhere in there does it say that i have to pay it off in a certain amount of time. sure, i could drive around in a stock escort and have it paid off by now, but then i'd be bored as hell since this is my only hobby
no the debt is not from the car
nowhere in there does it say that i have to pay it off in a certain amount of time. sure, i could drive around in a stock escort and have it paid off by now, but then i'd be bored as hell since this is my only hobby
no the debt is not from the car
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10-28-2009, 04:35 PM
#40
Boost Pope
iTrader: (8)
Join Date: Sep 2005
Location: Chicago. (The less-murder part.)
Posts: 33,045
Total Cats: 6,607
You just said that your balance is revolving:
Carrying a balance of any kind across the boundary from one billing cycle to the next = revolving credit.
Of course, I never actually said that you were a user of revolving credit, I just said that some people are. Denial without accusation is generally held to suggest admission.
Of course, I never actually said that you were a user of revolving credit, I just said that some people are. Denial without accusation is generally held to suggest admission.
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