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Title: Another Strange Day: CitiBank Increased my Rate from 4.99% to 18.99% Today
Source: Here at 4um
URL Source: [None]
Published: Nov 9, 2009
Author: buckeroo
Post Date: 2009-11-09 20:15:34 by buckeroo
Keywords: None
Views: 2530
Comments: 74

I received a letter today from CitiBank about the credit card I have with them. It is a Diamond Rewards Preferred Card (the black stealthy looking one) that has a credit ceiling beyond $25K.

They have changed their rates on my account from 4.99% to 18.99%. I called their HOTLINE and they say I am an excellent customer with an excellent account with excellent credit and there is nothing they can do about it. That within the current business climate, they MUST remain competitive by extending credit to all customers.

Two months ago American Express did the same. And three months ago, Discover Card simply canceled my cards for lack of usage.

I have come to the realization that other than business purposes there is no reason for credit cards. Yet, sometimes I can not use my bank debit card at local restaurants and businesses without fees or outright decline.

I am afraid, that credit consumerism in America is all but over, even for the most responsible of us.

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Begin Trace Mode for Comment # 16.

#16. To: buckeroo (#0)

Chase jacked my credit card rate from 8.9% to 11.9%. It was a couple of months before I even noticed it. I called and complained. They said there was nothing they could do. So I wrote a $10,000 check on my Chase equityline and paid it off. Now I pay 3.64% on the equityline.

Big Meanie  posted on  2009-11-09   20:56:48 ET  Reply   Untrace   Trace   Private Reply  

#32. To: Big Meanie (#16)

Now I pay 3.64% on the equityline.

Wait until the rate change. BTW, I have always enjoyed your posts. Truth and honesty cutting to the chase is a continuous method by your own awesome methods. And thanks for sticking up for me on forums not to be discussed here.

buckeroo  posted on  2009-11-09 21:40:38 ET  Reply   Untrace   Trace   Private Reply  

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