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There's a reason they've been hit with multiple class action suits in the past few years - A little less than a happy high
komos
komos
There's a reason they've been hit with multiple class action suits in the past few years
Outsourced AMEX Blue: You really screwed up your payment last month, so we jacked your APR.
Me: Wow, that's a drag. Is there anything I can do to get it back down to a reasonable rate?
OAB: Sure, how does 10.72% sound?

Chase, the Evil Empire: You really screwed up your payment last month, so we jacked your APR.
Me: Wow, that's a drag. Is there anything I can do to get it back down to a reasonable rate?
CtEE: No. Eat late fees, white boy!

ETA: As of a few minutes ago, Chase stopped being my primary creditor, and once I've verified that the balance transfer has been completed, they will cease being a creditor for me at all.
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Comments
From: ulf_rulz Date: October 12th, 2005 03:15 pm (UTC) (Link)
They're all scum, and they can kiss the free money they gave me goodbye.

In my book if you play games & lie the way every single credit card company I've ever dealt with has done... you have no moral authority. Lucky for me I have multiple low-level "creditors," who would pay more to collect what I owe them than they'd get back.

Never again though. Cash economy only.

They *all* lie and steal.
komos From: komos Date: October 13th, 2005 03:57 pm (UTC) (Link)
No bank in its right mind would claim "moral" authority. Legal authority, probably, and they're constantly pushing the envelope even there.

The trouble is that the game is ultimately the creditors' game, and refusing to play is effectively inviting marginalization. The most insidious thing is that even in insisting on a cash-only economy, you're still ultimately participating. Sure, you're spared some of the most predatory aspects, but in no way are you just stepping away from it.
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