What the FUCK!!!! Okay here’s the deal I got one of those credit cards that has a yearly fee asscoiated with it. The fact that I don’t even remember seeing that little nugget in the T & C’s when I signed up for this motherfucker is another bitch altogether about fine print, but anyway, this card has a low limit on it (trying to rebuild my credit after a few problems a few years back).
So like most people these days, a buck doesn’t go as far as it used to, so every now and again, I have to smack some overpriced groceries or gas, or some other shit on the card, which put the card up close to the limit. I’ve been very careful to watch the limit to make sure I didn’t go over it. Always make payments on time, and generally am a good little grasshopper trying to survive in this fucked up world.
So here’s the SHIT!! After having the card for a couple of months, these doucebags decide to smack that annual fee on the card, which puts it over it’s limit…then these fuckers try to pin a $30 over limit fee on top of it….WELL…let me fucking tell you..I’m not long making a phone call to these pricks to say..WHAT?? Are you fucking kidding me? You’re the bastards that put the card over the limit, not me….like why wouldn’t you put the annual fee on the very first months bill, instead of waiting a few months..and then try to ding me an extra 30 bucks on top….I DONT FUCKING THINK SO!!
So this prick goes away for a few minutes and comes back and tells me, well, here’s the deal, as a 1 time act of good customer service, they will waive the fee…THIS TIME… but then I have to sit and listen to this cunt tell me in his broken Engrish…how it is my duty and responsibility to stay within the credit limit set by the company, and any further overages on the limit will result in a service fee that will NOT be reversed. OH GO FUCK YOURSELF you asshole….. I have half a mind to cut the cards into tiny little slivers and send it back to them…a little bit at a time, in those return envelopes they send with your statements, just so these greedy fuckers have to pay the postage everytime……Lame ass pricks!!
—Me, Myself & I
This article appears in Mar 12-18, 2009.
Here’s a tip. Get rid of the bloody thing as your main credit facility. I know the world revolves around credit cards, but the interest rates aren’t good, and you have annual fees to worry about. What you should do is get a basic no-hassle basic credit card, with no fees or special features or low interest rate(as they always have fees). Use the card appropriately for 6 months. By appropriately I mean use it and pay it all off in the statement period, also, by doing this, you will not pay a cent of interest. That will repair your credit (provided you don’t have any other credit issues) and then apply for a line of credit. Better interest rate, more flexibility, and a better limit. Then go for the cards that have the benefits associated with them, annual fees are a breeze if you know how to get around them. Annual fees are usually posted on your second statement (mostly because that’s your first real statement) after the card is opened. The over-limit fee, well, I like to call those bad boys a kick-you-when you’re down fee. Be a responsible consumer– read that fine print, ask questions about what you don’t know about, and don’t get the payment insurance.
YOUUU GOTTT SUUUCKKED INNNNNN!!! NAOO!!
Never get another fucking credit card again. They will suck your blood and leave you for dead. I have never had a credit card and don’t plan on one. Nope. Not even a bleeping Sears or Home Depot one. Debit is the best way to go.
Learn to spemd within your budget.
If you are putting groceries on a CC, you’re in too deep.
Stop buying garbage and manage your money.
Oh, but you had a few problems before……
Hey Mathew, funny how being out of work (not by choice) makes budgets fly out the window. Why is it that someone would choose to comment on a bitch like this and point out the obvious to the poster, yet not choose to comment on what the CC company did? You work for one? They have you brainwashed into thinking everything they do as a company is kosher, and that it must be the person who is using the credit card is irresponsible. Grow the fuck up and step out into the real world man. Rule no 1 in life is shit happens…and when shit happens…you do what you have to do to get by. So if that means buying groceries to feed my kids on the credit card, I wouldn’t hesitate for a second to do it again. I’m not sure if you fully read and understood the original bitch….over the limit not my fault…theirs….and then trying to charge me an over the limit fee. BTW “Stop buying garbage” WHAT THE FUCK IS THAT?!? Who the fuck are you? How the fuck do you know what I’m buying? Are you profiling me? You just assuming that because I’m close to the limit on my card, I must have been spending my money on SHIT!..Yeah I had some problems in the past…sorry I wasn’t born with a silver spoon sticking out of me arse. How about this dickhead….out of work and the kid gets sick..needs medication…I don’t have the luxory of time to knock on an endless amount of Gov’t doors to try and get a prescription for antibiotics for free…I have a sick kid who needs antibiotics…price those lately without a drug plan have ya? Condesending prick…I’m glad the suns always shining in your neck of the woods!
I’ll bet nobody but you signed the CC company’s service agreement, “me, myself & I”. YOU are the only person responsible for the contract. Stop blaming everybody else for your incompetence (financial irresponsibility) and simply learn. Don’t bitch since you’re in the wrong, it’s simple contract law… learn! I hope you said thank you when they waived the fee (altered your contract to accommodate your IQ/inexperience/age/attitude, who knows?) This is life. I suppose you think your kid’s medicine is the credit card company’s or us bitch’s concern/fault too… whatever! To quote you, OP, “Grow the fuck up and step out into the real world”…
It’s not a bad thing to have and use a credit card and you certainly don’t need a silver spoon hanging our of your trap or your ass to get one. Revolving credit is only bad when you don’t understand how it works. Understand, the next time they levy that annual fee they’ll look at your account and that is the time they’ll give you an increase… or not…. probably not.
Wow, touchy.
You said “these doucebags decide to smack that annual fee on the card, which puts it over it’s limit”
They didn’t put it over limit, you did.
Boo-hoo, my kid is sick. Save some money for emergencies. I bet you still have cable tv, etc.
Wow Kay, I understand why everybody has such a high opinion of you in here. You and that other fucking idiot can take my words and twist them however you want. I hope the next time your gohnoreah acts up, you find someone as sympathetic to listen to you, as you have been with me. Oh wait a sec….that’s right I wasn’t looking for sympathy….I came here to bitch, which is exactly what I did, and guess what, I also found a bitch as well….and a fucking holier than thou arsehole, who likes to mingle with us poor folks and hand out financial advice in between counting his millions, and kicking the neighbourhood cats. Douchebags….get stuffed…and yeah my kids feeling better now, thanks for asking 😛 Back to my cable TV…but I have to go up on the trailer roof and fix the air conditioner (hole in the roof) it must be stuck on cause it’s cold in here. That is what you think….that I live in a trailer, right?
MM&I, don’t listen to those two idoits. They’re both the type who like to hear themselves too much and have no valueable input, ever.
Dr. Fever had it right; get yourself a basic hassle free card, use it and pay it off to repair your credit. Shit happens…you spent more than you intended to and they billed you for the annual fee at a really inconvenient time. Just be glad that they waived that $30 fee instead of leaving you stuck having to pay it.
Did they state in their fine print or anywhere when they’d be charging the annual fee? While is sucks to be in that situation, you must’ve been aware they were charging that fee at some point, so maybe a cushion on your CC to cover that would’ve been a good idea? I don’t know your individual circumstances, OP, but that’s what I used to do when I had CCs.
Also, I find credit cards are better to have from some banks other than others. I’ve had three from three different banks, and I had great service/terms for two of them, but when I dealt with the third it was a nightmare. I paid the thing off every month for 9 months, and on the 10th I was a bit short on cash so I carried a balance and only paid the min payment. The next month I got a letter saying they did a “credit review” on my usage of that card and was raising my rate from 18% to 23% because I had only made a min payment the month before and if I want this reduced I had to start paying more than that because it would go up in a year after they did another review. Never mind the fact that I paid it off in full every other month! I told them to suck it and sent the card back and told them to close the account (yes, you have to actually close the account because it’ll just stay on your credit rating fucking up your debt ratio (or helping it: debt ratios are a delicate balance) otherwise).
idoits
LOL, you are so smart HAMMER.
And you’re completely useless. Go team.
You mean GO TEAM VENTURE!
Are you Hank or Dean?
Matthew Luthor, stfu.
It’s all fine and dandy for this Matthew Luthor if he really *is* the “doctor” he says he is. He doesn’t ever have to worry about being hard up for a job (all he has to do is show up, tell a few patients to fuck off and gets his six figures).
But I highly doubt he’s a doctor. Shit, if he’s a doctor I’m fucking She-Ra: Princess of Power *eyeroll*
Luthor is a doctor?! Pff…Pretty Kitty is She-Ra and I’m Mister Rogers.
P.S, said has multiple grammatical errors. Noob.
Doctor? Jesus, how did i miss that little tidbit? I didn’t realize a doctor had time to give advice on LTWWB about “how to spemd within your budget”.
What a douche.
tee-hee. uh oh, i’m getting a feeling the doctor is going to pop up on this thread any minute now and give us a sound misspelled spanking. head for the hills!
when you apply for/recive a credit card. read the small print.
Maybe Luthor is one of the endocrinologists who don’t have time to see me (because they’re too busy shooting the shit like posting on LTWWB).
Just a [cynical] thought.
Douche? Get out of the 90’s, HAMMER.
Geesh, jealous much?
Go to school, get an education, and then, maybe, you will deserve the success I’ve had.
And no PK, I’m not an endocrinologist, I deal with the more esoteric pursuit of beauty. Come on in, I will give you a free consult.
Hah. ML, you’re no doctor. I’m the only doctor in here bub.
MMI, just as an aside, if things do get out of hand, and you can’t get back up on your feet after this, there are options out there. Banks are kinda tough on debt consolidation loans now because of the climate, and the interest rates can go from 8 to all the way up to 20 percent in some cases. That said, if you can get one, get one. If that’s not an option, go to debt counseling. I have a friend who is going through it right now, it’s much like a loan, but it effects your credit differently. Bankruptcy should never be an option, honestly. It’ll follow you around for the rest of your life, even though after 7 years it’s off your credit bureau. There’s some options for you sir, and good luck.
Esoteric pursuit of beauty huh? Is he an OB-GYN?
Too bad he’s not a proctologist, TTFN’s glass eye bum would’ve scared his balls up his throat.
PS: ML is a cunt of all cunts for basically calling us uneducated and unsuccessful. I happen to be a world champion kickboxer, thank you very much.
OP: nice to see you’re teaching your kid proper life lessons here. “Don’t worry sweety, if you fuck up and go over your credit limit, you can just rant and scream at the credit card company that were kind enough to give you credit, despite your poor credit history. All you need to do is convince them that it’s their fault that you didn’t leave room on the card for the yearly fee that you’re required to pay. Nothing is ever your fault honey, remember that. It’s always someone else’s fault.”
Real nice.
Never Wrong is always right.
Theres no reason you should have to get a card these days that has an annual fee, with so many out there dying for your business. I have 3 cards, and wanted one with airmiles, so I applied for one, that ended up having a hidden annual fee, so I just called up and cancelled it as soon as I found out.
Go with PC, or one through your bank, and make sure you pay it all off every month like PK said. I use mine for everything, including groceries, and coffee, which ends up paying me in the end with the points I earn.
Call them up and tell them you’re going to transfer the balance to another card if they don’t permanently waive the annual fee. They need your business as much as you need the credit, don’t settle.
God damn, I keep contradicting myself.
Dr F: afaik credit counseling will put your credit rating at a 7 so if it’s better than a 7 your rating will go down, BUT if you’re in an R9 situation it actually raises your credit.
The best ones are the ones that don’t charge you (non profit ones). There might be a slight fee for the non profits, but nothing like the for profit companies like bankruptcy trustee companies, for example, will charge.
PK: That’s correct, but the rating disappears after a few years. Better than bankruptcy, or being in collections (which can lead to an R/I 8 rating if left unresolved) which stay on your file permanently. So even if you’re in a situation where where it’s an R/I 5 rating it’s good for you in the long run. Traditional banks won’t give you credit unless you’ve got no collections on file, and no ratings lower than 3 (indicating you’ve never had a 30 days + late payment history). If they do, it’s based upon relationship at that point and you’re paying a ridiculous interest rate. You’re right though; there are a nominal fee for non-profits, and they’re the best.
OH I agree it’s a good thing either way.
Just wondering: after you resolve something that’s gone into collections your credit wipes that debt out of your CR after a certain amount of years, right? Is it just the bankruptcy that stays there forever?
I’ve always wondered how collections stuff works.
It’s up to the company that holds the collections to resolve it from the CB. The company will update the CB and it’s removed shortly after that. However, it may update on one and not the other. At the end of it all, it’s up to the consumer to update everything. Don’t rely on the company, because they’re lazy and half the time, they don’t even file the paperwork. I’ve seen it happen one too many times on my current position: all ready to approve a loan and there’s a collections on file a company left on there from 10 years ago.
That happened to my parents recently. They got a call from a collections agency demanding payment on a debt already paid in full BEFORE it was supposedly sent to collections. Anyway, the guy who called said there was something else showing up that was also paid off and it was quite the ordeal getting that shit taken off (and they had all the paperwork proving they paid it!)
I was told by a financial advisor who did a seminar at work once that a lot of creditors will tell you they can’t remove the debt off your credit report when you request it to be taken off right after you pay the debt that’s in collections, but that that story is just bullshit because they can take it off immediately. They make it seem like they have no control and it’s up to the CB. Collections companies are sneaky fucks. Friend of mine had a visa in collections for $2500. He offered $1200 for a settlement and the woman from the collections agency got really pissed off and said they’d settle for $2000 end of story. So my friend called the bank itself and offered $1200 and the bank took it. HA.
Absolutely. They have to take what you offer. The company can update your CB, it’s not instantaneous, but quick nonetheless. Once you do request that they update it, they’re required to. However, it’s an unwritten rule in the banking world not to, because it remains on the CB, and until it’s resolved, the company has access to the report and to update it on your file a semi-annual basis, so it becomes a information gathering process.
Long story short…don’t be a deadbeat.
PK, glad to see your friend was gaming the system.