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Title: Another Strange Day: CitiBank Increased my Rate from 4.99% to 18.99% Today
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Here at 4um
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Published: Nov 9, 2009
Author: buckeroo
Post Date: 2009-11-09 20:15:34 by buckeroo
Keywords: None
Views: 2290
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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#35. To: Big Meanie (#25)
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.
"The Central Intelligence Agency owns everyone of any significance in the major media." ~ William Colby, Director, CIA 1973–1976 The purpose of the legal system is to protect the elites from the wrath of those they plunder.- Elliott Jackalope "When plunder becomes a way of life for a group of men living together in society, they create for themselves in the course of time a legal system that authorizes it and a moral code that justifies it." - Frederic Bastiat
Well stated. But remove credit card transactions from your personal business.
“Gold is the money of kings; silver is the money of gentlemen; barter is the money of peasants; but debt is the money of slaves.”
deleted
Well stated. But remove credit card transactions from your personal business. I just have several checking accounts with usaa.com to pay the bills, and keep tract of everything there.
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.
“Gold is the money of kings; silver is the money of gentlemen; barter is the money of peasants; but debt is the money of slaves.”
Not sure what happens if you refuse, i.e., do they cancel the card, etc., but I'm thinking that as long as you're credit is good, they wouldn't do that. From an article here: freedom4um.com/cgi-bin/readart.cgi?ArtNum=110077 "...For instance, portions of the new law enacted in August require banks to give customers 45-day notice of any changes in an agreement. Consumers can opt out of an impending increase, keeping their card at the lower interest rate, but only until the card expires. After that, they must apply for a new card. They can also avoid the interest hike by closing the account and arranging to pay off the balance at the lower interest rate..."
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 ????
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.
Of course you can. All you have to do is have it sent to a FFL person.
usaa is a globalist company.
Only if you're an idiot or a rotara; same thing.
Beautiful. The last word I got was that one major processor wasn't allowing it anymore with the rest to follow suit as the administrashun clamps down. I would suggest running up what's left on these jewsury cards for anyone that isn't completely prepared with guns, bread, butter, etc.; you know what I mean...
is it a turd ? is it a drain ? NO ! It's fred !!! Same thing...
it's a small bore. lol
oy...
Best response to this thread ! Fuck em, credit is killing America not so much because of the concept of credit but because the commercial law outweighs the CON stitution.
SPAMerica, a nation of spineless, gutless, mindless, self-absorbed, internet litterbugs.
LOL are you being sarcastic? I can't tell.
I was conveying the deepest of respect of and about your opinion. I am impressed that you seem to know me so well.
“Gold is the money of kings; silver is the money of gentlemen; barter is the money of peasants; but debt is the money of slaves.”
Aww See how sweet you are?
Check this out: Weird CitiBank Maneuvers We ( certainly not myself ) are not alone.
“Gold is the money of kings; silver is the money of gentlemen; barter is the money of peasants; but debt is the money of slaves.”
Check out the link in the post just above.
“Gold is the money of kings; silver is the money of gentlemen; barter is the money of peasants; but debt is the money of slaves.”
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.
“Gold is the money of kings; silver is the money of gentlemen; barter is the money of peasants; but debt is the money of slaves.”
Not around me.
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.
“Gold is the money of kings; silver is the money of gentlemen; barter is the money of peasants; but debt is the money of slaves.”
You can be a dick but that comes with the...equipment. 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.
Congratulations!
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.
“Gold is the money of kings; silver is the money of gentlemen; barter is the money of peasants; but debt is the money of slaves.”
Thank you.
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 !!!
Doing what's right isn't always easy but it's always right.
I was just thinking, what if Esso died today and I never told him how much I loved his posts?
Money problems do not come from a lack of money, but from living an excessive, unrealistic lifestyle
God forbid !!!
Doing what's right isn't always easy but it's always right.
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.
Hoosier hick hayseed to you mister. The nearest thing resembling a hill is probably 150 miles away, if you don't count the speedbumps in Lowe's parking lot.
I see the sun between eleven and two, if it is not overcast and raining.
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.
Money problems do not come from a lack of money, but from living an excessive, unrealistic lifestyle
Dont let on but I keep Essos name on my good guy list.
mums the word.
Money problems do not come from a lack of money, but from living an excessive, unrealistic lifestyle
laughing....
Me too ... though I've UPGRADED to Texan !
Doing what's right isn't always easy but it's always right.
I think if you use your credit card and pay it off every month you won't pay any interest,
#36. To: Lod (#18)
... it's much easier to write the check in round numbers these days.
#37. To: buckeroo (#33)
#38. To: buckeroo. all (#36)
... it's much easier to write the check in round numbers these days.
#39. To: tom007 (#22)
buckeroo: Yet, sometimes I can not use my bank debit card at local restaurants and businesses without fees or outright decline.
#40. To: Eric Stratton, buckeroo (#23)
If you have an existing card, I'm pretty sure that you can reject those changes. They usually send out a "change" notice and in it is almost always (never say never/always) instructions for refusing the changes.
#41. To: buckeroo, All (#39)
"If you love wealth more than liberty, the tranquility of servitude better than the animating contest of freedom, depart from us in peace. We ask not your counsel nor your arms. Crouch down and lick the hand that feeds you. May your chains rest lightly upon you and may posterity forget that you were our countrymen.”—Samuel Adams 
#42. To: buckeroo (#39)
Local businesses don't want to pay the 3% overhead anymore.
#43. To: Rotara (#41)
Can you still buy a GUN with a credit card these days ?
#44. To: Lod (#38)
I just have several checking accounts with usaa.com to pay the bills
#45. To: Rotara (#41)
Can you still buy a GUN with a credit card these days ?
#46. To: Lod (#43)
"If you love wealth more than liberty, the tranquility of servitude better than the animating contest of freedom, depart from us in peace. We ask not your counsel nor your arms. Crouch down and lick the hand that feeds you. May your chains rest lightly upon you and may posterity forget that you were our countrymen.”—Samuel Adams
#47. To: fred mertz (#45)
"If you love wealth more than liberty, the tranquility of servitude better than the animating contest of freedom, depart from us in peace. We ask not your counsel nor your arms. Crouch down and lick the hand that feeds you. May your chains rest lightly upon you and may posterity forget that you were our countrymen.”—Samuel Adams
#48. To: Rotara (#47)
#49. To: fred mertz (#48)
"If you love wealth more than liberty, the tranquility of servitude better than the animating contest of freedom, depart from us in peace. We ask not your counsel nor your arms. Crouch down and lick the hand that feeds you. May your chains rest lightly upon you and may posterity forget that you were our countrymen.”—Samuel Adams
#50. To: Hayek Fan (#15)
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.
#51. To: buckeroo (#17)
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.
"Greenhouse gases do not act as a blanket around the earth and they do not keep the atmosphere warm. ... greenhouse gases emit more radiation than they absorb and this ongoing radiation loss tends to cool the atmosphere at between 1C and 2C per day, a fact known for more than 50 years. And yet we continue to get the simplistic explanation that greenhouse gases warm the atmosphere and so more greenhouse gases will warm the atmosphere more. No wonder the public is taken in!" --William Kininmonth, meteorologist , 1791
#52. To: farmfriend (#51)
#53. To: buckeroo (#52)
I am impressed that you seem to know me so well.
"Greenhouse gases do not act as a blanket around the earth and they do not keep the atmosphere warm. ... greenhouse gases emit more radiation than they absorb and this ongoing radiation loss tends to cool the atmosphere at between 1C and 2C per day, a fact known for more than 50 years. And yet we continue to get the simplistic explanation that greenhouse gases warm the atmosphere and so more greenhouse gases will warm the atmosphere more. No wonder the public is taken in!" --William Kininmonth, meteorologist , 1791
#54. To: Lod (#42)
#55. To: scrapper2 (#40)
#56. To: farmfriend (#53)
See how sweet you are?
#57. To: buckeroo (#56)
Actually, I am a mean and rotten sort of derelict incapable of reason and civilized behaviour.
"Greenhouse gases do not act as a blanket around the earth and they do not keep the atmosphere warm. ... greenhouse gases emit more radiation than they absorb and this ongoing radiation loss tends to cool the atmosphere at between 1C and 2C per day, a fact known for more than 50 years. And yet we continue to get the simplistic explanation that greenhouse gases warm the atmosphere and so more greenhouse gases will warm the atmosphere more. No wonder the public is taken in!" --William Kininmonth, meteorologist , 1791
#58. To: farmfriend (#57)
#59. To: buckeroo (#58)
But, it appears I am a bizarre or frightening aberration that needs strangling,
And as always, it is a fine evening to see you in a positive mood.
"Greenhouse gases do not act as a blanket around the earth and they do not keep the atmosphere warm. ... greenhouse gases emit more radiation than they absorb and this ongoing radiation loss tends to cool the atmosphere at between 1C and 2C per day, a fact known for more than 50 years. And yet we continue to get the simplistic explanation that greenhouse gases warm the atmosphere and so more greenhouse gases will warm the atmosphere more. No wonder the public is taken in!" --William Kininmonth, meteorologist , 1791
#60. To: farmfriend (#59)
Found out I'll be getting a new job.
#61. To: farmfriend (#59)
Ok I know that is more than you wanted to know.
#62. To: scrapper2 (#60)
Congratulations!
"Greenhouse gases do not act as a blanket around the earth and they do not keep the atmosphere warm. ... greenhouse gases emit more radiation than they absorb and this ongoing radiation loss tends to cool the atmosphere at between 1C and 2C per day, a fact known for more than 50 years. And yet we continue to get the simplistic explanation that greenhouse gases warm the atmosphere and so more greenhouse gases will warm the atmosphere more. No wonder the public is taken in!" --William Kininmonth, meteorologist , 1791
#63. To: buckeroo, farmfriend (#61)
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.
Mike Flaherty: Yeah, it's been there a long time. I wish I knew which corner.
My Man Godfrey (1936)
#64. To: Esso (#63)
Egads, get a room already. :P
#65. To: noone222, Esso (#64)
#66. To: purpleman (#65)
I was just thinking, what if Esso died today and I never told him how much I loved his posts?
#67. To: noone222, purpleman (#66)
I was just thinking, what if Esso died today and I never told him how much I loved his posts?
#68. To: Cynicom (#67)
Esso is just another no count hill billy.
Mike Flaherty: Yeah, it's been there a long time. I wish I knew which corner.
My Man Godfrey (1936)
#69. To: Esso (#68)
#70. To: Cynicom (#67)
Esso is just another no count hill billy.
#71. To: purpleman, Esso (#70)
Like little nobodies from Indiana.
#72. To: Cynicom (#71)
#73. To: Esso (#68)
if you don't count the speedbumps in Lowe's parking lot.
#74. To: Esso (#68)
Hoosier hick hayseed to you mister.
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