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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: 2591
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 # 6.

#6. To: buckeroo (#0)

It's happening to nearly everyone, Buck. My wife has an 790 FICO and JC Penney just notified her that her new interest rate would be 23.99%, up from 12.99%. She never carried a balance, or missed a payment. She might have used it 8-10 times a year. Anyway, she told them to shove their credit. Our goal will be to have two cards for convenience, and go back to cash as our first line of payment.

Jethro Tull  posted on  2009-11-09   20:29:47 ET  Reply   Untrace   Trace   Private Reply  

#7. To: Jethro Tull (#6)

Our goal will be to have two cards for convenience, and go back to cash for as much as possible.

There's the plan. Have one or two, preferably from a local bank or CU, to be able to rent a car or flight etc, cash for the rest.

The CC Mogals have the elimination of cash as their goal. A very bad thing.

tom007  posted on  2009-11-09 20:34:51 ET  Reply   Untrace   Trace   Private Reply  

When our daughter went to register for collage she went to the cashier. He said it was some thousands of dollars, check or cc.

She said "is cash OK?"

She tells me he froze, looked at her and said "I gotta see this".

Was only three or four thousand bucks, and she had to help him count it.

Save it and pay it, get it over and know where you are.

We flip out our suppliers (well they are used to it now) cause when we get a delivery, unless its four or six thousand, we flip em off in cash.

Disturbs the newbees.

No muss or fuss, just be sure to get them to sign off that they received the cash - from there in it's all their problem. And we are done with the accounting.

tom007  posted on  2009-11-09 20:42:50 ET  Reply   Untrace   Trace   Private Reply  

n 790 FICO and JC Penney just notified her that her new interest rate would be 23.99%, up from 12.99%.

That's friqqing INSANE.

Not that you are asking, I'd gladly give her a line for 6 or 8 % AND I wouldn't pretend we didn't get the payment till after the due date.

Let's call this by it's name - Shysters.

tom007  posted on  2009-11-09 20:46:22 ET  Reply   Untrace   Trace   Private Reply  

Anyway, she told them to shove their credit.

Way to go.

tom007  posted on  2009-11-09 20:47:08 ET  Reply   Untrace   Trace   Private Reply  

Our goal will be to have two cards for convenience, and go back to cash as our first line of payment.

BUMP to that post. Indeed my entire family is doing the same.

buckeroo  posted on  2009-11-09 21:05:20 ET  Reply   Untrace   Trace   Private Reply  

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