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Not so much by unknowns but by my own credit card companies,

Posted By: sm on 2007-01-20
In Reply to: Telemarketers - MT4eight

all foreign people, trying to sell me the credit protection. The last one called me for around 10 days straight (unknown # on the ID)until I finally answered! I told them all to put me on THEIR "do not call list" or I'd cancel the card. Seems to have worked. ;)


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The credit card companies are going
to be do everything they can get away with in the next year because of the new rules that will go into effect in 2010. Keep an eye on your interest rates. I have a couple that went up for no apparent reason. I called them immediately. One company lowered my interest rate below what it had previously been. The other did not, and I paid it off and did not use it for a while. They sent me a notice a recently that my credit limit had been increased and the rate had been reduced (back to what it had been previously, of course).

The link below has a synopsis of the new rules that will take effect next year.
Have U renogiated credit card debt when minimum payment got too high? Do they take your card away,
s
Why does closing a credit card account negatively affect your credit report

Especially when I never use it anyway, and really never wanted it?


With all the bank rearranging going on in the past few months, one of my accounts was tranferred to Bank of America. I was sent new cards and a new agreement, new interest rate etc...


So I called them up and cancelled but before they did, I had to listen to a spiel about how this would negatively affect my credit report.


Huh?? Why is that?


Credit Card Reform Can Cost Good Card Users

Part of article:

Credit cards have long been a very good deal for people who pay their bills on time and in full. Even as card companies imposed punitive fees and penalties on those late with their payments, the best customers racked up cash-back rewards, frequent-flier miles and other perks in recent years.


Now Congress is moving to limit the penalties on riskier borrowers, who have become a prime source of billions of dollars in fee revenue for the industry. And to make up for lost income, the card companies are going after those people with sterling credit.

We pay off our balance every month. If they do this (punish those who have sterling credit) Ridiculous!! I'll stop using my CC and pay by cash or check.

So much for reform.


Credit card (SM)
There was information about credit cards and interest rates going around late last year/early this year.  Basically, from what I understand with the new bankruptcy law this was attached to it.  The credit card companies can and will charge you and me whatever interest rate they want to, and the only thing we can do is cancel the card and pay off the balance.  There were these little inserts with your statements that many of us just throw away and never think about it.  But I did read the ones that were sent with several of my statements, and I kindly told them to keep my rate where it was and I canceled the card.  Sad but true. 
About my credit card
I owed close to $10,000.00 about 2 months ago on my credit card and called to make sure I sent the right amount as paying it off. After I paid in full, they also sent a "finance charge" for around 35 to 40 dollars. I paid that but have discontinued using that card. I have another card, used during Christmas, interest about half of the other one and getting that paid off before long also, just sent $500.00 towards that yesterday. I on the first had asked for payoff amount but the finance not there when I asked.
credit card
I've not had personal experience, but I know to be wary of some of those companies that advertise. I saw a financial advisor on the Today Show and she said to make sure you go with Consumer Credit Counseling; maybe there's a link on the Today Show website. Good luck!
Pay off our credit card
And with the little we'd have left just put it in the bank
credit card debt
Not sure what will happen, but I do wish you luck. Credit card debt is an unsecured type of debt. I don't know what more they can do to you other than a judgement. Not sure you can put that under a bankruptcy either once the judgement has been placed. I know a lawyer that handles a lot of bankruptcies -- did some work for him. He always asked his clients if late payments had gone to judgements. If they had not gone that far he was pleased about it. I guess it made things easier legally. Not really sure.
I use my credit card!!!! Priceless!
Actually it was an expired one. Hubby laughed. I use Dawn Power Disolver in the blue bottle. Works wonders. Then IF I have to scrape I have used the credit card of course, but fine metal spatula or a razor, but I use one of those like you scrape paint with that has the handle like an ice scraper.
Did anyone's credit card payment any go up
seems chase is changing policies on their credit card holders. charging 10 service fees if you want to keep your promotional rate. also doubling minimum payments. Didn't they have financial problems in 2008?

Nope. Usually, we use the credit card...
just because it keeps my husband and myself from seeing how much was spent and where until after Christmas (we both frequently check the bank account online). This year, though, the one positive thing about my husband being in Iraq is that I did not go crazy with Christmas like I usually do and I explained to all the extended family that I was not buying much for anyone except my son. Thus, no debt this year, although we always pay it off fairly quickly. I think the highest my credit card has ever been is $700.
To restore credit, get a card that is pre-paid and use that
s
best cash-back credit card?
We've been using the GM card to get new cars for less, but i'm open to a different card that rewards general purchases, food, gas, apparel etc, with cash back.  Any recommendations?  thanks!
Be very careful about credit card payments
I just paid off my Visa to the tune of over 7,000.00. This was what was posted but did not take into consideration the interest charges put on- I got a bill for $1.50 so I thought ok will send that in, I was a day late- (no excuse, just overlooked) and they had put my interest- get this from a low 10 to 117.16 for that month- now what would happen if I owed a REALLY BIG amount- I would never get that paid- how it worked out was I owe them now $15.59 which I think will pay before time. Just be aware, folks! These folks are ruthless....
credit card debt relief
Does anyone have any experience with those companies claiming to reduce debt by up to 70%, etc. ?? I'm drowning in debt. :(
Credit Card Debt Counseling

http://www.cccsatl.org/index.asp?_method=view&sc=43&cn=486&md=debtmanagement


Here's what you want to use...  It is called Consumer Credit Counseling Services.  They are legit.  Now back when hubs and I did it about 15 years ago, there were no computers, per se, so we went on site to an office.  I don't know what state you're in or if there is an office local to you, but it looks like you can do this online. 


We did it, completed it, and it was great.  However, they cut your credit cards up in front of you and put them in a huge jar (at least they did back then).  Once you join, there are no more credit cards.  What CCCS does is works with your creditors to reduce interest rates, payment size, etc. because they are networked.  You then make one lump payment to CCCS and they disburse the money.  They also take into consideration your income.  I think that's what makes it all work.  Also, this is what tells them how long it will take to pay off the debt.  Just beware though that if you are "behind" on payments, sometimes certain creditors do not accept CCCS, so they may hassle you still and some just plain won't accept CCCS's offer. 


Believe me, even though we are not late on payments, we had in the past 3 years so much personal stuff go on (sickness, death, etc.) that we have racked up some debt ourselves and may try CCCS again, as one card we have raised the rate to 33% interest because we have a high balance.  We make regular payments.


All in all, it's a great plan and it does work, but you no longer have credit cards (they close the accounts), and you will have a "bad mark" but yet a good mark on your credit report for using CCCS.  Check with them about that though, as I do not know the specifics.  It is way better than bankruptcy...


Hope you find some relief soon!  My thoughts are with you...  I'm not judgemental because I've been there and done that. 


Credit card Washington Mutual/Providian

Get this, I haven't used my Providian/Washington Mutual credit card in quite awhile.  I got the new credit card in the mail to take over for the old one, and I thought I would give the company a call to find out what the interest rate was on it.  So after reaching India of course, I asked for someone in the United States, was put on hold for 4 1/2 minutes and then disconnected.  So I call back, go through the 15 prompts and get someone from the Phillipines.  The interest rate on my card is 31.8%  Yep you are reading that correctly - 31.8%. 


I am passing this information along because I am livid at the fact that the interest is 31.8% (which, by the way, neither person on the other end of the phone said "let's see what we can do to lower this.), and because TWO countries have this credit card's business and people in the US are working 2-3 jobs to make ends meet.  I know this has been an ongoing discussion about offshoring, but I was more angry at the fact that it is 31.8% and that no one offered to lower the rate, even after inquiring about it. 


 


 


OMG! I worked at a hospital where the ID badge was credit card
Yes, I totally understand! It is easy to get caught up in the moment and you think, oh, it is only a few dollars. Lunch would be more than I really could afford because I'd charge it. And the bargains at the gift shop (yeah, right!!!).

Could you get a loan from a low interest credit card perhaps to pay off the 2500?
credit card debt lawsuit question

If there is anyone out there who has been sued and had a judgment placed for credit card debt....


What happens when you go to court??  I don't own a house and live week to week (part-time IC, not very supportive husband) so they can't get blood from a stone so to speak.  But I was wondering if anyone has gone to court and what actually happens. 


credit card debt lawsuit question
Anyway you can declare bankruptcy, chpt 7?  I am going that route.  :(

 

Do you have a lot of monies owed where bankruptcy is a real possibility?

 

I'm going through a similar time......talk about stress!!!!!!!

DH paid off credit card. Now I'm paying him back. No
nm
I hope you got her arrested for credit-card theft
*
There is a free version of Efax that does not require a credit card. sm
Are you needing to fax out, in, or both? You didn't clearly state, but said you needed a number. I receive faxes for free through efax, but haven't sent any that way. Never have I given them credit card info. Check out myfax.com.
This happened to me with a credit card, bought a printer and they never charged me for it on my stat
All of a sudden my card was canceled and the amount sent to the collection agency. They said I knew I bought it and should have sent in payments, even though it never appeared on the statement.
IMO a card would not be out of order at all. Except a sympathy card, of course.
I totally agree a sympathy card wouldn't quite be the thing, but it sounded to me that the original poster of that idea didn't mean a sympathy card like one for death. I think sympathy in the sense of "hey, you had a rough time of it with this birth, and maybe things haven't been the way you imagined, but know that I'm thinking of you and I'm here if and when you need me."

I got PPD when my breastfeeding relationship didn't go right, following a birth plan that went seriously awry, and the reality of a fussy, picky baby instead of the happy, sleeping one that I had imagined.

I *did* spend a lot of time on the phone, but then everybody's different. I would have loved to get a cheerful card from a friend, however. Does anybody NOT like a card?
I think so many companies are just trying
to cover their but so they won't be sued. I once read on a stroller a tag that said do not collapse while child is in stroller. LOL
We tried one of these companies

and it was supposedly a "reputable" one, recommended highly by just about everyone.  Searched online, you name it.  Thought I did my homework pretty good.  Well, they were a rip off.  Thankfully I kept logs of everyone I talked to about what and when, etc.  They screwed up several of my accounts, didn't pay them for almost 3 months (even though they received payment) and none of my interest rates were adjusted.  I contacted one of the lawers for the cc company that was handling the collection at that point since my company failed to do so and they said that this was a very common thing and that they really did not like to deal with companies like that, would rather deal directly with the person. 


Good luck to you though, sounds like you actually found one that does some kind of work. 


Mortgage Companies
We have a good one, but it is funny when there is an error on their part they call your employer...  When they want to loan you some more money, they call your house! 
So you are saying you do not like insurance companies????
 Belly 
Insurance companies always get --
past medical records, no matter what insurance company you apply with. Once they get the records and the diagnosis is documented on your record, it is considered a preexisting condition.
Yep. OIl companies don't like the price low.

They cut production to get the prices up again. If we're not _____ by the oil nations, we're ____ by the American oil companies. G-R-E-E-D is the name of the game in the last few years.


Government tells us to cut our driving. Well, I hate to tell them but between a pickup and a car, we drove a total of  5,838 miles last year, and most of that mileage was 100 miles a day for DH to go to work. I get to the store once a month anymore, 2 mile round trip. The only thing I can cut down on is to walk to the store and back. Been there done that, but I'm no spring chicken and carrying 5 bags or more, well....you'd see a bag every 100 feet.


 


Mystery shopping companies
Mystery shopping...Has anyone done any work with reputable mystery/secret shopping companies???
no different than amer. companies offshoring.....sm

I don't see how it's any different that american companies are hiring illegals here versus american companies offshoring (which I detest) because the issue on either side is -- bottom line - the dollar -  and what American employers are willing to pay today...........and in either case, we are all losing our jobs to foreigners (whether they are legal, offshore, or illegal workers).


just my opinion.........


He ought to add the MEDICAL TRANSCRIPTION companies
8
Really now. Do you think MT companies really care? I wear
xxxx
As an IC, I don't think they are allowed to have you on a set schedule. Other companies have
gotten in legal trouble because they were treating ICs as employees. With my IC job, I let them know when I can work and, if they need extra help, they will call and ask if I can do more, but they do not TELL me when to work.
I feel sorry for companies. With all the PC nowadays,
They'll be slapped for saying Christmas...they'll be slapped for not.

I agree -- people should be far more tolerant than they seem to be. I'm a Christian but would not be offended if anyone sayd Happy Kwanza or Hannakuh or Happy Allah Day or whatever!

However, in the interest of keeping politically correct and not being offensive to everyone, they resort to the measures you brought up.

I think we should make sure and not be as sensitive about the word Christmas not being used as those we are complaining about are to it being used. We don't want to be viewed as oversensitive, critical or ugly as they are.

As religion really is a personal choice, we should remember that keeping it alive in our personal lives is what is so important.

JMHO
Like if you diss AAMT, certain companies, -
management, etc. or even if you write some perfectly good words that aren't cusswords, you either get that "bad word" thing, or get booted out altogether.
Obviously your on the side of insurance companies
Maybe you should educate yourself on insurance company profits rising via higher premiums despite more claims being denied due to risk.  The problem is not the supposed risks, its the corporate greed.  No matter how much you pay for insurance, a sizable portion of it goes to salary someone to find (and legislate)loopholes so they won't have to pay anyone's claim.  Go ahead and buy into their propaganda that its other customers causing the problem, not their CEO's new mansion or their profit margin.  Then see how much they appreciate your loyalty next time you file a claim.
spyware? Sounds like what companies use
to shadow in to fix technical problems. Also, many services and hospitals have this ability to keep tabs on their work/workers. I had one use it to break in and type a message to me when they needed a stat.

but, sounds like your hubby needs to take up golf or something.
I agree with trying to negotiate with the CC companies

yourself first. That's what I did. We had a medical problem and we went from paying on time for years to 90 days behind in 3 months. We wound up living off the cards...which is an absolute no-no, but couldn't be helped, and wound up with $45,000 in CC debt.


 I called them all and they all have programs for hardship cases. They set up payments for you which are lower than what you would usually be paying and they lowered my interest rates again (in the good times, I was paying 9%) from 19% to  21% down to 9% again and one company even lowered my interest rate to 6%!


They automatically take the money from your account and you just have to remember to keep the money in there.  Payments are much lower since they lowered the interest rate and all the cards will be paid off in 4 years.


One company did close my account, but none of the others did. I haven't used a credit card for 2 years and most of the cards I had for 10 years.


Hope this helps and good luck. There is light at the end of the tunnel.


Those companies you listed at non profits

All of those companies you listed are non profits as described and accepted by the IRS.


I'm afraid you're going to be out of luck with your animal rescue lady, unless she reorganizes as a non profit, or makes you officially part of the company.


But, DON'T TAKE MY WORD FOR IT.  Check with your tax person, or if you can't reach her, find another tax person.  Call H&R Block.  There may be some loopholes that you can use to get the deduction.


 


sorry - Only helps the big formula companies make $.
Toddler nursing is a normal! The criticism of a 22 month old breastfeeding is just a reflection of people's anti-breastfeeding attitudes.
Sounds like offshore companies.....aren't
xx
millions called their cable/tv companies...

There are companies that specialize in refacing cabinets
Veneer is tricky stuff to work with. If none of it is chipped off, you might be able to glue it back down. But if it's chipped, there's not a whole lot you can do except use wood filler to fill in the gap and paint all the cabinets.
Actually I guess all the internet companies are going to be doing the same thing. nm
:
Yes that angers me, but are your companies not categorizing it correctly? sm
My DH gets bonuses from time to time and they are tax free. I always thought gifts and bonuses were just that, nontaxable, not to mention the tax write off for the company contributing or did that change somewhere over the years?
I agree - insurance companies are in it for big bucks (sm)
Even if they made the obese pay extra they wouldn't give the rest of us a discount anyway. Who are you kidding? Do you really think they are on our side any more than the pharmaceutical companies? Do you know much about managed care and how it affects our industry? Insurance companies make a mint and they try to share as little of it as possible.
Pharmaceutical companies have lobbyists in Washington
and there job is to make the company wealthier at it appears any cost.

Israel's #1 export is pharmaceuticals. 4th is weapons.

Conspiracies to make men richer are nothing new. Medications are sold at a fraction of the price to other countries but in the U.S., the patients' cost is enormous comparatively speaking.

Medicare plan D or K, whatever it was that provided pharm. co. with an increase in medicare payments to drug companies approved by Bush is an example of why govt and pharm. co. do not have the patient's best interests at heart.