I decided it was time to get myself a credit card, since I have not had any of them for years. So I get an application for one that says they help rebuild credit. I fill it out, not expecting to get a card because I’m so used to being told no for any credit. Well, in about three weeks, here comes a credit card. It has a $350.00 limit to start, $200.00 of which is already charged before I even get the damn thing with various fees. I put the thing in my wallet and forget it’s there because I haven’t had one for so long. A month goes by and I receive my first bill. Money was a liitle short that month, so I made the minimum payment. Another month goes by and another bill comes. I open it to find that they credited my payment, but because I only made the minimum payment, they had another “fee” for that. And they called it a “cash advance”. WTF is this? Cash advance? I didn’t even use the piece of plastic crap. Money was really tight that month so I missed the payment. I start getting calls 2 to 3 times a day on my answering machine. It isn’t even a person. It’s a fucking recording!! “Hello, we have an important matter to discuss with you. Please call XXXX XXXX bank at ###-###-####.” Lousy jerks don’t even have an 800 number for me to call. If they think for even a minute that I am going to call THEM long distance on MY phone bill, they can bite me.
As soon as I get them paid off, I am going to cut the piece of crap card up into about ten million little tiny pieces and mail it back to them and tell them to put it in any and every orofice that they have in their collective bodies.
Oh, they even called me at work once. I told them NEVER call me at work again. They said I had to fax them a letter telling them not to. I did and I also told them that if they called me at work again, I would get fired for getting personal calls (not true) and then they wouldn’t get any money.
Somewhere in the application I filled out originally, there was something about GREAT customer service. My ass!!!
all I can say is, “Never again”!!
My first pit thread. How’d I do?
Thank you for calling Sodomy Bank of America. Please listen carefully, for our menu items have changed.
For general ass-raping, press 1.
To get bent over a rail, press 2.
For questions about your bleeding rectum, press 3.
For all other inquiries, please shove the telephone directly up your ass, and a customer service specialist will fuck you over shortly.
To repeat these choices, press pound, you masochisist fuck.
Nice rant.
Those “establish your credit” cards always have catches to them which blow. I had to do one to help me establish my credit, and not I get a perverse joy by telling them to fuck off.
I would cancel the card. You will no doubt be liable for the money on it still, but every monthg they will charge you a fee AND the interest if you don’t cancel it. This way, you avoid their bullshit fees.
Next time, read the fine print as to how these cards work. And if you can, start off with a secured card where at least you get your money back if you cancel the card, not owe money you didn’t spend.
Yer pal,
Satan
I HAVE BEEN SMOKE-FREE FOR:
Four months, four weeks, 13 hours, 42 minutes and 4 seconds.
6022 cigarettes not smoked, saving $752.85.
Extra life with Drain Bead: 2 weeks, 6 days, 21 hours, 50 minutes.
I get calls consistantly from my credit card copanies from 9am to 6pm. even when I’m completly up to date. :mad: When they call that early I tell them flat out not to call me because I work 2nd shift. They are always trying o get phone payment out of me as well. “If I had the damn money in my account, you would have a damn check in your hand!” I hate credit cards, and as soon as I can pay them off, I’m cutting mine up too.
You can cut them up NOW if you want, you know. You can close an account at any time you want. You’ll still be responsible for the balance owed, but will save from possible fees that these what I call “loser cards” will charge you, and even the more common yearly membership fees that even some decent cards still have.
Yer pal,
Satan
I HAVE BEEN SMOKE-FREE FOR:
Four months, four weeks, 14 hours, 49 minutes and 53 seconds.
6024 cigarettes not smoked, saving $753.09.
Extra life with Drain Bead: 2 weeks, 6 days, 22 hours, 0 minutes.
I’ve never gotten a phone call from my CC company.
even when I was dangerously close to my max limit.
If they did call me I’d would, of course, tell them to royaly lick my ass, I’ll pay it when I get a chance.
–hence-- buy now, pay later, the whol point of credit.
Now then, let me tell you of a little experience I had with credit cards.
While in college, I got a Visa with $500 bucks. <hoot> But everty six months or so, I would call for a credit increase. So, now I have a decent credit limit on both a visa and mastercard. 1 week after graduating, I applied for a Sears card. “Sorry, you don’t have a lond enough work record to get a sears card”. Huh? I have $xxxx on other cards, own my own car etc, but I can’t get $1000 for a sears card?
Same thing a Home Depot. I got rejected, 'cuz I didn’t have a long enough work record.
The moral? If you know people(including yourself) in college/university, apply for any and all forms of credit you think you will need. I’m serious. Get at least 2 major credit cards, and a few minor ones as well.
It can only save you a hassle down the road.
Trust me.
I should point out that students very rerly get rejected for credit cards.
They don’t get big credit, but at least it’s something.
-why dindn’t I just so so in the first post-