What's in my wallet? Capital One's grasping, avaricious hand, that's what...
Dude, having been a crackhead about credit cards early in life, but also having a redneck stubbornness about paying back what I owe, I now have REALLY good credit. But I just got a letter in the mail yesterday about how Capital One is bumping up my APR to 13.99%. I nearly shat myself. It used to be 4.2%.
So, of course I called, thinking there had been some sort of mistake, but Sparky the Wonder Customer Service Agent assured me that, no, this was happening company wide. He also assured me there was nothing he could do to reverse the increase in my specific case. Sparky added that, "if it makes you feel any better, I work here and they're raising my rate to 17.99%."
I assured him that it did not.
Discover pulled this shit on me before, raising my APR behind my back and then refusing to bring it down. Now I've cut up my card and just let the account stand open and lonely keeping my rating nice and high. I religiously shred every piece of "PLEASE PLEASE PLEASE use your credit card, lady" mail I receive from them, as well as the "replacement card" they send me every six months or so and laugh maniacally while I do it.
Providian was the worst, though. You know Providian, right? They're the horrifying, rapacious bastards that "help" people with no credit or bad credit get started. You pay them $90.00 to get the card and then they charge you exorbitant rates for everything, until you manage to scrape together enough of a rating to get rid of them.
I was late with a payment on another card, who granted me a grace because I called them up and explained it was a mistake. But Providian, who I payed every month on time because I knew what a bunch of pigfuckers they are, decided to raise my rate to 24.99%, anyway, because I was late with a payment on a COMPLETELY DIFFERENT CARD. I wound up having to close that account without accepting the changes to it and pay off the balance of the card at the "current" rate, which was already a usurious 16.99%. (If you look through my check book during those dark days, you will see many a payment to something called, "The Uncard".)
I guess this Capital One account will go by that wayside. Which sucks because I just opened a bank account with them for the honeymoon because they don't charge a fee for changing currency.
What really chaps my ass, though, is that we just gave these fuckers trillions of dollars out of a budget that we pay for with our taxes and then they turn around and use that money to generate millions of tiny flyers telling us that they're going to raise our APRs! What the fuck?!
So, of course I called, thinking there had been some sort of mistake, but Sparky the Wonder Customer Service Agent assured me that, no, this was happening company wide. He also assured me there was nothing he could do to reverse the increase in my specific case. Sparky added that, "if it makes you feel any better, I work here and they're raising my rate to 17.99%."
I assured him that it did not.
Discover pulled this shit on me before, raising my APR behind my back and then refusing to bring it down. Now I've cut up my card and just let the account stand open and lonely keeping my rating nice and high. I religiously shred every piece of "PLEASE PLEASE PLEASE use your credit card, lady" mail I receive from them, as well as the "replacement card" they send me every six months or so and laugh maniacally while I do it.
Providian was the worst, though. You know Providian, right? They're the horrifying, rapacious bastards that "help" people with no credit or bad credit get started. You pay them $90.00 to get the card and then they charge you exorbitant rates for everything, until you manage to scrape together enough of a rating to get rid of them.
I was late with a payment on another card, who granted me a grace because I called them up and explained it was a mistake. But Providian, who I payed every month on time because I knew what a bunch of pigfuckers they are, decided to raise my rate to 24.99%, anyway, because I was late with a payment on a COMPLETELY DIFFERENT CARD. I wound up having to close that account without accepting the changes to it and pay off the balance of the card at the "current" rate, which was already a usurious 16.99%. (If you look through my check book during those dark days, you will see many a payment to something called, "The Uncard".)
I guess this Capital One account will go by that wayside. Which sucks because I just opened a bank account with them for the honeymoon because they don't charge a fee for changing currency.
What really chaps my ass, though, is that we just gave these fuckers trillions of dollars out of a budget that we pay for with our taxes and then they turn around and use that money to generate millions of tiny flyers telling us that they're going to raise our APRs! What the fuck?!