Credit cards

i have a marriott card that i put a lot of my purchases on. We've used the points to stay at some sweet properties that i couldn't afford otherwise. I almost always pay off the entire balance at the end of the month.

 

Smart man. I don't care what anyone says about you.

 

Chase, in my book, is evil.

I had to use credit cards for everything a while back when I was unemployed. Not something I wanted to do, but kids have to eat. But I also never missed a payment. But of course, after becoming employed, it's time to pay the cards off.

I had two cards with them. A couple months ago, I was five days late on a payment on one (my mistake, I spaced it out), they closed the account. This was the same card they jacked me around by changing the due date on the stupid thing several times a couple years back.

Anyways, last month, I paid off both cards. In full.

My thanks? The other card, which I NEVER had missed the payment and in fact, made it early and more than the minimum, had the limit reduced from $6,000 to $600. And, to top it off, they sent me a bill for each account, charging me another round of interest.

I called, not happy, they removed the interest charges, and I canceled the other card and told her I would not do business with a corporation which treats its customers so shabbily.

I truly doubt they care.

And I'm glad I'm now in a position that I don't need the damn things anymore.

 

I wouldn't say you took advantage, Ragu, I'd Chase was stupid to put an offer out there before not fully evaluating the offer they were putting out there. I also would say Chase underestimated the intelligence of their customer base.

I absolutely abhor organizations like Chase. Their "you're a valued customer" is nothing but empty words. Why is it so hard for companies, especially these larger corporations, to realize that customer service matters and that customers should be treated well. It shouldn't be that hard and dammit, it's the right thing to do!

 

I get along quite nicely without a credit card, but it distresses me that there are places and services where they require a deposit but don't enjoy having to take cash for the deposit when what they really want is a valid credit card number.

There seems to be little or no incentive to be financially responsible - and what is more financially responsible than not owning/using a credit card at all? It's just pathetic.

 

I've gone to Men's Wearhouse a number of times when suit shopping and always end up going elsewhere. Prices usually aren't as good as they'd have you think, plus the sales approach is off-putting -- I always feel pressure to buy way more than I want to. Macy's is great when you keep an eye out for sales (why anyone ever pays full price at Macy's is a mystery to me) and Nordstrom Rack is also good.

Back to credit cards: If you're looking for low rates, credit unions are hard to beat. Mine offers a Visa with a 7.9 percent rate and no fees for balance transfers. For a card for actually buying things, find something with rewards you like. We charge pretty much everything on an airline-miles Visa.

 

Like when I went to rent a rental card, but because I had a debit card and not a credit card, they made me put down a huge deposit on my debit card while I had the card?

The only reason why they didn't get a total earful was because I was under 25 at the time and they were one of the few rental car agencies who would rent to me.

 

If you use a debit card for a rental car, they almost always put a hold of several hundred dollars on your checking account even if your bill is going to be far less. It's unreal. Some hotels are starting to do this too.

 

Because you can't fucking buy anything with their god damn coupons!!!!!!!

 

Still 7.9% on my card. Rack me.