This is topic Holy Shit check your credit card statements in forum General Talk at Northern California Ford Owners  .


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Posted by GOT 50 (Member # 1960) on :
 
Just reviewed my chase credit card statement and was amazed at the change in interest rate. I have been 7.99% interest rate for the past 4 years. I look at my statement and now it is 14.99%. I call up there hotline and get some dumb Indian bitch and she said I have an adjustable rate. I said a 7 point fucking jump is not how much the fed prime rate went up this month compared to last month. Dumb broad replies it varies month to month and that I am wrong. So I tell the cunt to relax for one minute and look up the federal prime rate history. Current rate 3.25% an all-time low. So I tell this dumb bitch the fed rate is at an all time low and dropped since last month so How the fuck did you raise my interest rate 7 points. Dumb cunt had no idea and said I must have incorrect information. I asked to be transferred to a supervisor. Supervisor gets on the line and says all Citi variable rates have been changed from whatever rate they were to prime +10.49% at a minimum. I say are you fucking serious. I have never been delinquent or anything. She replies with yes and your account is in good standing. We go back and forth about how that has to be illegal and she says no it has already been tried in the Supreme Court. I ask if there is anything she can do. She says yes. Prime +10.00%. I am like fuck this close the account here is an account you can take the money out of. She says wait we have an offer where we can put all your balances at 1.99% apr for a year. I say great please do that.

Moral of the story watch your accounts because they can raise your interest rate to prime plus whatever they want.

Fuck the credit card companies.

[ January 10, 2009, 03:14 PM: Message edited by: GOT 50 ]
 

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Posted by Pure Stang (Member # 7251) on :
 
Thats BS.. Ill look out for that.
 

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Posted by GOT 50 (Member # 1960) on :
 
Corrected for grammer and spelling.


Still pissed.


ERGGGGG
 

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Posted by Mach916 (Member # 8264) on :
 
i dont appreciate the indian part of your story.. but yea its always good to call and see what u can get..
 

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Posted by GOT 50 (Member # 1960) on :
 
She was Indian or Hindu. i was deffinetly sent to a call center overseas. And the dumb cunt comment would have been applied to any race that answered the phone and told me the FED prime rate had fluctuated 7 pointsd in one month.
 

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Posted by NavidR (Member # 3164) on :
 
14.99% wow thats still good, my wifes CC just raised her interest to 28% + and not only one all of them (she has perfect credit). Ya we just closed everything and opened new accounts.
 

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Posted by venomous99 (Member # 1917) on :
 
the moral of the story is to not carry a balance on your cc. only time i carry a balance on my cc is if i have a 0% interest for 1 year or more...no cc debt ftw!!!!
 

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Posted by 68dustin (Member # 5388) on :
 
just checked mine...im still all good!!
 

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Posted by DRIVINFST (Member # 2430) on :
 
American Express just increased mine from 6.99 to 9.99 and would budge when I called them on it. I have never been late and have been with them for 8 years.
 

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Posted by GOT 50 (Member # 1960) on :
 

quote:

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Originally posted by venomous99:
the moral of the story is to not carry a balance on your cc. only time i carry a balance on my cc is if i have a 0% interest for 1 year or more...no cc debt ftw!!!!

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quote:

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Originally posted by GOT 50:
She was Indian or Hindu.

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Hindu is a religion, not a race.
 

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Posted by EXcobra/LS1NOW (Member # 8408) on :
 

quote:

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Originally posted by GOT 50:
She was Indian or Hindu. i was deffinetly sent to a call center overseas. And the dumb cunt comment would have been applied to any race that answered the phone and told me the FED prime rate had fluctuated 7 pointsd in one month.

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quote:

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Originally posted by GOT 50:
Excuse ym ignorance. Sounded indian from the phone call. Dafalted to the general religion from there.

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quote:

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Originally posted by GOT 50:
Just reviewed my chase credit card statement and was amazed at the change in interest rate. I have been 7.99% interest rate for the past 4 years. I look at my statement and now it is 14.99%. I call up there hotline and get some dumb Indian bitch and she said I have an adjustable rate. I said a 7 point fucking jump is not how much the fed prime rate went up this month compared to last month. Dumb broad replies it varies month to month and that I am wrong. So I tell the cunt to relax for one minute and look up the federal prime rate history. Current rate 3.25% an all-time low. So I tell this dumb bitch the fed rate is at an all time low and dropped since last month so How the fuck did you raise my interest rate 7 points. Dumb cunt had no idea and said I must have incorrect information. I asked to be transferred to a supervisor. Supervisor gets on the line and says all Citi variable rates have been changed from whatever rate they were to prime +10.49% at a minimum. I say are you fucking serious. I have never been delinquent or anything. She replies with yes and your account is in good standing. We go back and forth about how that has to be illegal and she says no it has already been tried in the Supreme Court. I ask if there is anything she can do. She says yes. Prime +10.00%. I am like fuck this close the account here is an account you can take the money out of. She says wait we have an offer where we can put all your balances at 1.99% apr for a year. I say great please do that.

Moral of the story watch your accounts because they can raise your interest rate to prime plus whatever they want.

Fuck the credit card companies.

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credit card companies are the devil. I live by a simple rule if you can't afford to pay it off at thte end of the month dont buy it and it doesn't matter what interest rate they charge you
 

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Posted by Lilghoust (Member # 20) on :
 

quote:

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Originally posted by Mach916:
i dont appreciate the indian part of your story.. but yea its always good to call and see what u can get..

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quote:

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Originally posted by Lilghoust:
[QUOTE]Originally posted by Mach916:
[qb] i dont appreciate the indian part of your I mean if you thought the call center chick was black, you wouldnt be saying that black bitch...would you?

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quote:

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Originally posted by GOT 50:
She was Indian or Hindu. .

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quote:

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Originally posted by 302 DROP:

quote:

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Originally posted by GOT 50:
She was Indian or Hindu. .

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she was not indian... your call got transfered to the mission district and it was my tia rosa who answered with a accent.. and she is hindu

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