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Credit Card Woes? Or just me?
I got a notice from Capitol one that my interest was going up and I could close the card or pay the increase. Now, I have had that card for 6 years and the payment went from 40.00 a mo tho 91.00. Another went to almost 30% cause I was 2 days late getting it paid. I know that this is legal, but morally, ethically its crazy.
Paychecks are down, groceries are up (and have you noticed less in the package than used to be for more money?) It is getting to where if something does not break, we are gonna have to choose what to pay to survive and let the rest go! Do credit card companies realize they are cutting off their noses to spite their face? I have worked very very hard to maintain good credit and between the medical bills and credit cards and walmart getting the rest. I dont know how someone with children can do it. It is just me and my hubby. And we both work! No such thing as retirement for us. What is the answer? Anyone know how to handle the credit card companies?
Paychecks are down, groceries are up (and have you noticed less in the package than used to be for more money?) It is getting to where if something does not break, we are gonna have to choose what to pay to survive and let the rest go! Do credit card companies realize they are cutting off their noses to spite their face? I have worked very very hard to maintain good credit and between the medical bills and credit cards and walmart getting the rest. I dont know how someone with children can do it. It is just me and my hubby. And we both work! No such thing as retirement for us. What is the answer? Anyone know how to handle the credit card companies?
competition is in every aspect of business now, I lowered my monthly cable bill just by calling and asking what they could do to keep me as a customer as cable is a wnat not a need. Credit card companys ar often the same, if your a long time member try just asking, if they do not comply Id for sure transfer my balance to a zero percent interest, there are just too many options.
For the first time in years I have a 0 debt balance. I'd been in a long, drawn out legal battle with the IRS large claims diivision over some stock issues that have blown my credit rating for life.
I still can't believe I got out from under it without selling my soul :->
Until the credit card companies are reformed, I won't be using credit cards anytime soon.
I still can't believe I got out from under it without selling my soul :->
Until the credit card companies are reformed, I won't be using credit cards anytime soon.
Capitol One did that to me too...I had an excellent credit rating with them...they said it was nothing that I did...So I paid it off with another company "2 percent for the life of the loan." and advised Capitol One that I feel that I just got hassled by the no hassle company...Jerks....Man I had that card forever, was proud of it and to work with them...I told people about that awesome company....double jerks.
He advised me that they did it because they could....well lah de dah....I'll not ever work with them again..
We used credit cards to live on when we both got fired...things going out of country you know, but we went to school with the Nafta thing....both working again so far and trying to pay off those darn cards.
He advised me that they did it because they could....well lah de dah....I'll not ever work with them again..
We used credit cards to live on when we both got fired...things going out of country you know, but we went to school with the Nafta thing....both working again so far and trying to pay off those darn cards.
WOW! Barb thinks like me LOL! I also got this other debt for my student loans and could never pay well it was 9800$ and they sent to collection agency guess what my balance is now 14K $$!! They tacked on that much for taking it over!! And I said the same thing if i cant pay 9800 how in the world will i ever pay 14K!!
Cash advances are so ugly there was a report on the TV bout those and how they add on all this interest and how these people are in over their heads cant pay for it cant pay for their bills!! I think they need to do away with it personally!!
Good idea Teko i think education in HS about these CC's would help young people better understand them!!
Cash advances are so ugly there was a report on the TV bout those and how they add on all this interest and how these people are in over their heads cant pay for it cant pay for their bills!! I think they need to do away with it personally!!
Good idea Teko i think education in HS about these CC's would help young people better understand them!!
Unfortunately for MY friend, but fortunately for HER friends, she is a very generous person and hates to see anyone in need. Not to mention bills for other people that she put on her credit cards or bills of her own that had to go on credit cards because she loaned someone the majority of her paycheck so THEY could pay their bills then SHE couldn't pay hers........... Like I said - these things added up and one day she put ALL the credit cards in a pile and actually added up the balances - wow, that was a shocker for her.......
I understand so well how it goes and I remember you saying that you don't have insurance - I'm sure all the medical bills are hard to deal with - BUT there are agencies, etc that will help with some of that as well - that's part of what we pay taxes for. I'd much rather see someone who works and lost insurance get whatever benefits they can than to have those who aren't even here legally getting benefits that WE can't get.
To me this is a moral issue - not political, so please don't anyone crucify me....
I understand so well how it goes and I remember you saying that you don't have insurance - I'm sure all the medical bills are hard to deal with - BUT there are agencies, etc that will help with some of that as well - that's part of what we pay taxes for. I'd much rather see someone who works and lost insurance get whatever benefits they can than to have those who aren't even here legally getting benefits that WE can't get.
To me this is a moral issue - not political, so please don't anyone crucify me....
lol, I think they need to educate kids in high school about credit cards and how credit works. Not many people realize it until they are in over their heads and the credit cards love to pray on college kids. I know many who grabbed that card and ran with it and now all these years later still have ruined credit over it.
Barb, your friend did cash advances? Whoa, so shes into the big bucks as far as interest goes! It took me one time to figure that one out! lol I actually do not owe an exorbant amount on any of my cards but with the recession, prices, and my work is essentially gone until October, our income is cut in half. Usually I am able to save thru season to get us thru, but the man had to have surgery and we had to move to downsize our expenses and are still paying for the kidney stone and all the specialist bills. I would really hate to get rid of the computer, but I guess if it comes to that I will. :(
Barb, your friend did cash advances? Whoa, so shes into the big bucks as far as interest goes! It took me one time to figure that one out! lol I actually do not owe an exorbant amount on any of my cards but with the recession, prices, and my work is essentially gone until October, our income is cut in half. Usually I am able to save thru season to get us thru, but the man had to have surgery and we had to move to downsize our expenses and are still paying for the kidney stone and all the specialist bills. I would really hate to get rid of the computer, but I guess if it comes to that I will. :(
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