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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: 2497
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 # 72.

#2. To: All (#0)

Kraft secures $9.2 billion of Cadbury financing: filing Mon Nov 9, 2009 1:05pm EST

PHILADELPHIA (Reuters) - Kraft Foods Inc said on Monday it secured a $9.2 billion senior unsecured term loan to help finance its $16.4 billion hostile takeover bid for Britain's Cadbury Plc.

Kraft would use the proceeds of the loan to finance the proposed acquisition and refinance certain Cadbury debt, according to a filing with the U.S. Securities and Exchange Commission.

Citigroup Global Markets Inc, Deutsche Bank Securities Inc and HSBC Securities (USA) Inc served as joint bookrunners, while Citibank and Deutsche Bank AG Cayman Islands Branch served as co-administrative agents, according to the filing.

The banks participating in the new credit facility are: Citibank, Deutsche Bank AG - Cayman Islands Branch, Deutsche Bank AG - London Branch, HSBC Bank USA, Barclays Bank Plc, Banco Bilbao Vizcaya Argentaria, BNP Paribas, Credit Suisse AG -- Cayman Islands Branch, Royal Bank of Scotland Plc and Societe Generale.

(Reporting by Jessica Hall; Editing by Steve Orlofsky)

buckeroo  posted on  2009-11-09   20:21:23 ET  Reply   Untrace   Trace   Private Reply  

So Kraft is taking over Cadbury. Interesting.

farmfriend  posted on  2009-11-09   20:25:57 ET  Reply   Untrace   Trace   Private Reply  

So Kraft is taking over Cadbury. Interesting.

What has happened is the open ended TARP funds have permitted the banking conglomerates to stomp the earlier agreements with their small customers while investing further into HUGE industries.

And some want to talk about responsible. By removing credit or increasing rates, the federal government has buoyed HUGE business concerns while simultaneously stomped the private investor and entrepreneurs.

buckeroo  posted on  2009-11-09   20:43:37 ET  Reply   Untrace   Trace   Private Reply  

Yes that was the purpose behind your posts. The company I work for has a contract with Kraft. Course I'm switching departments and won't be working with Kraft stuff any more.

farmfriend  posted on  2009-11-09   20:47:02 ET  Reply   Untrace   Trace   Private Reply  

Yes that was the purpose behind your posts.

You are amazing in both thought and discovery. You seem to know what I do even though I act innocently while conveying a serious message.

buckeroo  posted on  2009-11-09   20:59:57 ET  Reply   Untrace   Trace   Private Reply  

You are amazing in both thought and discovery. You seem to know what I do even though I act innocently while conveying a serious message.

LOL are you being sarcastic? I can't tell.

farmfriend  posted on  2009-11-10   7:43:17 ET  Reply   Untrace   Trace   Private Reply  

I was conveying the deepest of respect of and about your opinion. I am impressed that you seem to know me so well.

buckeroo  posted on  2009-11-11   1:09:17 ET  Reply   Untrace   Trace   Private Reply  

I am impressed that you seem to know me so well.

Aww See how sweet you are?

farmfriend  posted on  2009-11-11   1:10:35 ET  Reply   Untrace   Trace   Private Reply  

See how sweet you are?

Actually, I am a mean and rotten sort of derelict incapable of reason and civilized behaviour. I have been told that I need a one inch hemp rope with thirteen knotted loops wrapped around my skinny neck from all over the Internet.

And I laff at those that think I am irresponsible or describing me as a terrorist! For they laid the groundwork of preying puppets.

buckeroo  posted on  2009-11-11   1:30:24 ET  Reply   Untrace   Trace   Private Reply  

Actually, I am a mean and rotten sort of derelict incapable of reason and civilized behaviour.

Not around me.

farmfriend  posted on  2009-11-11   1:41:44 ET  Reply   Untrace   Trace   Private Reply  

Or around many others. But, it appears I am a bizarre or frightening aberration that needs strangling, irrespective of manifestation with some posters; there is good news, too: I have very thick skin.

And as always, it is a fine evening to see you in a positive mood.

buckeroo  posted on  2009-11-11   1:58:21 ET  Reply   Untrace   Trace   Private Reply  

But, it appears I am a bizarre or frightening aberration that needs strangling,

You can be a dick but that comes with the...equipment.

And as always, it is a fine evening to see you in a positive mood.

I've had a few positive things happen over the last few days. Found out I'll be getting a new job. My mom and I belong to the same sorority. Sacramento City Counsel (sorority) puts on a Preferential Tea every year and mom and I went together this year. Had a chapter meeting tonight. I joined a new chapter this year and I am really enjoying my sisters. Older gals but much more fun and active than my last chapter. After a few years of very hard times emotionally it is a welcome relief.

Ok I know that is more than you wanted to know.

farmfriend  posted on  2009-11-11   2:05:20 ET  Reply   Untrace   Trace   Private Reply  

Ok I know that is more than you wanted to know.

Not true at all.

Truth and personal capabilities to discuss the world around us attracts me akin to a mosquito at night with the obvious presence of luminescence. Your personal details about yourself are not even considered or for that matter nor are anyone's ... your concepts about the world around us make my day that create an understanding about the framework of discussion that others really care about learning from others irrespective of the personal perspective each and everyone of hold.

I regard you as a true friend .... not because of gender or background but that you hold or otherwise capture my attention with respect and technical capability to articulate another idea or perspective with fair language to ensure that a thoughtful process has occurred in your own way and on your own time without mimicking some sort of echo chamber created by anything I despise as unauthentic in nature.

Thanks.

buckeroo  posted on  2009-11-11   2:23:00 ET  Reply   Untrace   Trace   Private Reply  

I regard you as a true friend .... not because of gender or background but that you hold or otherwise capture my attention with respect and technical capability to articulate another idea or perspective with fair language to ensure that a thoughtful process has occurred in your own way and on your own time without mimicking some sort of echo chamber created by anything I despise as unauthentic in nature.

Egads, get a room already. :P

Esso  posted on  2009-11-11   7:56:28 ET  Reply   Untrace   Trace   Private Reply  

Egads, get a room already. :P

Hahahahaha ... Esso, you so express my inner thoughts ... and I regard you as a truth teller ... but you capture and hold my attention with your razor sharp observations AND WIT !!!

noone222  posted on  2009-11-11   8:05:55 ET  Reply   Untrace   Trace   Private Reply  

I was just thinking, what if Esso died today and I never told him how much I loved his posts?

purpleman  posted on  2009-11-11   8:15:19 ET  Reply   Untrace   Trace   Private Reply  

I was just thinking, what if Esso died today and I never told him how much I loved his posts?

God forbid !!!

noone222  posted on  2009-11-11   8:19:44 ET  Reply   Untrace   Trace   Private Reply  

I was just thinking, what if Esso died today and I never told him how much I loved his posts?

God forbid !!! I was just thinking, what if Esso died today and I never told him how much I loved his posts?

God forbid !!!

Esso is just another no count hill billy.

Cynicom  posted on  2009-11-11   8:47:00 ET  Reply   Untrace   Trace   Private Reply  

Esso is just another no count hill billy.

Sometimes we get so absorbed contemplating the tragic reductions in Citibank profits and the associated devastation in 5th avenue boutique retail business and luxury automobiles that we forget about what is really unimportant. Like little nobodies from Indiana.

purpleman  posted on  2009-11-11   9:04:42 ET  Reply   Untrace   Trace   Private Reply  

Like little nobodies from Indiana.

Dont let on but I keep Essos name on my good guy list.

Cynicom  posted on  2009-11-11   9:07:05 ET  Reply   Untrace   Trace   Private Reply  

mums the word.

purpleman  posted on  2009-11-11   9:13:15 ET  Reply   Untrace   Trace   Private Reply  

        There are no replies to Comment # 72.

End Trace Mode for Comment # 72.

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