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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: 2253
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 # 25.

#15. To: buckeroo (#0) (Edited)

We closed all of our credit card accounts a month or so ago for the exact same reason. My parting comments to them was "fuck you very much." childish yes but it pissed me off that they would dick me like that after 20 years of being a responsible customer. Now if I need plastic I use my debit card.

Yet, sometimes I can not use my bank debit card at local restaurants and businesses without fees or outright decline.

I've never been charged a fee for using my debit card nor has anyone ever declined it. I guess I've been lucky so-far.

F.A. Hayek Fan  posted on  2009-11-09   20:52:35 ET  Reply   Untrace   Trace   Private Reply  

"Now if I need plastic I use my debit card."

Chase has been sending me a $25 "check" every couple of months that I can spend on Amazon. My roommate tells me it's some sort of "rewards program" for using their credit card.

Lately I noticed that I haven't been getting any $25 checks, but when I bought something on Amazon I noticed that I had a $200 credit. One of the choices they gave me was to receive a check for the money. I chose that option and they sent me a $200 check last week which I deposited.

I think if you use your credit card and pay it off every month you won't pay any interest, but according to my rooommate you'll still get the $25 Checks. So theoretically, you can get Chase to pay you to use their credit card.

Big Meanie  posted on  2009-11-09   21:16:09 ET  Reply   Untrace   Trace   Private Reply  

#35. To: Big Meanie (#25)

I think if you use your credit card and pay it off every month you won't pay any interest,

You are right. That wasn't the point though. We've had those credit cards for more than 20 years and have never missed a payment, and over the last couple of years have paid them off completely at the end of every month. As far as I'm concerned they stabbed us in the back, so screw them.

F.A. Hayek Fan  posted on  2009-11-09 21:56:21 ET  Reply   Untrace   Trace   Private Reply  

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