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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: 2256
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 # 39.

#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  

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

I just do not understand this, the only declines we ever have is when the carrier has cut off the account.

We get nicked 3.53% on a average cc use - that is substantial, esp on a pack of cigs where our margin is 17% or so. Off hand I guess we pay the CC companies $1,900/year on a guesstamated $330,000 revenue. They are BS artists of the first order.

tom007  posted on  2009-11-09   21:12:26 ET  Reply   Untrace   Trace   Private Reply  

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

Hayek Fan: I just do not understand this, the only declines we ever have is when the carrier has cut off the account.

Au contraire. Local businesses don't want to pay the 3% overhead anymore.

buckeroo  posted on  2009-11-09   22:03:58 ET  Reply   Untrace   Trace   Private Reply  

#41. To: buckeroo, All (#39)

Can you still buy a GUN with a credit card these days ?

Can you still buy a GUN with a credit card over the INTERNETS in duhhhhhmerrrriKa these days ????

Rotara  posted on  2009-11-09 22:07:06 ET  Reply   Untrace   Trace   Private Reply  

Local businesses don't want to pay the 3% overhead anymore.

That's why I ALWAYS ask local guys what is their cash discount...if they don't offer any, I jam them with some plastic with reward points.

Most are smart enough to see the advantage.

Lod  posted on  2009-11-09 22:09:19 ET  Reply   Untrace   Trace   Private Reply  

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