Doing my part for ignorance eradication (and fucking shady bastards in the process!)

Miscellaneous and Personal Stuff I Must Share
1

I got a shady credit offer from a company called Capital Credit. It offered a “Gold Card” with a really high limit and no APR. Only one line in the application stood out (aside from the “too-good-to-be-true” factor), which said the card was good for “purchases from credit provider.”

I got the same exact type of solicitation a while back from another company called Creditcorp. Some research showed me that both companies took your $40 “proessing fee,” and gave you a catalog of overpriced non-name brand merchandise that you had to pay a cash downpayment for anyway (a downpayment which was approximately the real value of the goods) and then have the credit on top of that.

This “gold card” was good for nothing else.

While you could get a refund if you were dissatisfied, I also heard from people who got the run-around on that as well. Besides, the envelope and letter did not have a phone number or anything other than the return PO Box.

When I got the Creditcorp one, I printed out from the internet all of the dissatisfied comments about them on various consumer protection and credit fraud websites and sent them to them in the return envelope (postage paid, natch).

I was prepared to do the same for Capital Credit, but they didn’t HAVE a prepaid envelope.

So instead, I printed out everything I could find and mailed it off to the Better Business Bureau’s in both Raleigh and the California office where Capital Credit is based and the North Carolina State Consumer Protection division.

http://pages.prodigy.net/briank.o/brianletter.jpg

That is the letter I got from the NC Department of Justice. It was accompanied with copies of the state statures which this company breaks, and as of now, Capital Credit is to “cease and desist from contracting with North Carolina residents or soliciting in North Carolina.”

So I put them out of business in my state! For a change, the good guys win…

Yer pal,
Satan - Commissioner, The Teeming Minions

*I HAVE BEEN SMOKE-FREE FOR:
Five months, two weeks, four days, 14 hours, 24 minutes and 20 seconds.
6864 cigarettes not smoked, saving $858.00.
Extra life with Drain Bead: 3 weeks, 2 days, 20 hours, 0 minutes.

*“I’m a big Genesis fan.”-David B. (Amen, brother!) **

2

Life ought to be more full of satisfying moments like that one, Satan.

In your honor, I’m going to compose a song to four-part harmony called “Satan Fucks Shady Bastards”.

3

Way to shut 'em down Satan. Most people wouldn’t have the brains to dig up the information you did and send it on to the BBB. Way to go! :wink:

I get lots of credit card applications (amongst other things) in the mail and I also like to rip up the forms and put them in the postage paid envelope and send them back to the company. It doesn’t cost me anything so what the hell.

4

Go you:)

Now, if you could only learn to difference between bureau’s and bureaus . . . :wink:

5

I thank you, my mailman thanks you.

6

Satan, I just got a solicitation from Capital Credit last week. I hadn’t read the fine print, but I was considering putting in an application, as man cannot survive on AMEX alone. Thank you very much for the heads-up.

MR

7

I usually just throw out credit apps when I get them. Your post inspires me to start looking at them more carefully so I can fuck shady bastards as well.

8

Way to go, Satan!

That is beautiful, man, beautiful.

9

I kowtow before thee, oh Lord of Darkness.

Seriously cool move!

10

Terrific! Never mind Gold Card - Satan deserves a gold medal.

11

I too, will begin to check out these applications before I dump them.

(Hijack) I’ve never done this, but I’ve been told that if you put a little fine sand in the envelope along with the shredded remains of the application, you will forever fuck the letter opening machine. :}

12

I don’t use credit cards, so I always dump them. But, I have to congratulate you on this one. Whether I use them or not, those companies make me sick. It’s about time they started cracking down on those people.

13

Satan, you ROCK!!!
I’ve gotten into the habit of opening the envelope, rummaging through the contents until I find the postage paid return envelope,tearing the application into pieces, and sending it back to the credit card company so THEY can pitch it in THEIR wastebasket. I also send them back the envelope that it arrived in! Cuts down on clutter around here.

Now I’m gonna read some of that stuff more carefully before I send it back!:smiley: