General > General info Somewhat hot tub related

Watch your credit cards

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Bonibelle:
I guess this only pertains to hot tubs if you bought your tub using a Chase credit card, but it may apply to other cards as well.  I had financed something on my Chase card at 3.9% for the life of the loan. I never used the card, instead treated it as a loan and had it set to auto pay each month from my bill payer. So I didn't really pay attention to my statements since I knew I had everything covered. When another card (Kohls) changed the pay date, I checked my Chase statement. This month, they doubled my minimum payment and added a $10.00 a month service charge. If I hadn't checked, they would have hit me with a late fee because I was under the new minimum by $32.00!! Needless to say, I immediaely paid that card off and gave them a piece of my mind....The representative  reminded me that  the call was being recorded after I let loose with lots of very nasty verbage...so I said good you can listen to it again whenever you wonder how the real people that are paying taxes to bail the stinkin banks out only to be screwed by them feel!!! Wooo..can't believe I am this angry!! >:( I can't believe what I just said to this poor woman on the phone :o

96SC:
Congratulations, Boni.  I have always wished some of my complaints were recorded, DirecTV comes to mind,  >:( (I know they say they 'may be recorded' but I doubt if many are). When more folks learn they are getting it stuck to them, the lady may wish all the complaints were as 'calm' as you were.

Did the lady give you a number to call if you have any more questions?  Call her back and give her a second ear full then ask to speak to her supervisor, share the 'warmth'. :)

Bonibelle:
As I read over what I typed...wow, it hardly makes sence..I was so mad and had no one else to yell at!!Haha..I am over all that now and happy to be rid of my Chase account. I think what makes me angry in general is that I am a good credit risk. I pay my bills on time, I didn't buy a home with a mortgage that I couldn't afford. I pay my taxes and my husband works very hard for his money...So why is it the people who do what they are supposed to do, get the short end of the stick? There are bail outs for the banks and the people who don't know that they can't afford a 500,000.00 home on a 50,000 a year salary...yet the regular people who pay their bills get screwed!...that makes me angry  >:(

Vinny:
I have my wife's car on a Chase credit card ... got 4.99% financing when all the others were at 7+%.

I hear you Boni - Chase was running a 4 3/8%, 15 year mortgage a few weeks back and by the time I got to it it was at 4 7/8%. My mortgage is at 5 7/8% - not too bad but its a 30 year.

I told the guy that I want TARP money for all the reasons you stated. I want a 4% mortage because my credit is excellent. I told him to contact Jamie Diamon, the CEO of JP Morgan Chase and tell him I want a really low mortgage rate. The guy laughed and said he knew what I mean.

Funny thing as they asked me questions about my financial health and I told him - all he saw was $$$ commission coming to him. Chase has high fees for lending and their brokerage arm doesn't want people who know about the market - they just want people to give them money and they invest it for them - I don't think I'll be getting a mortgage through Chase!

Thanks for the heads up!

Bonibelle:
I would never apply for a credit card that charges you just to have it. They can change the pay dates and the interest rates, but it is totally unfair to add a service fee if that wasn't agreed upon when the card was issued. Anyway, I am getting rid of all my credit cards and that probably will ruin my credit rating... >:( but I will be rid of all of them once and for all >:(....

My advice...join a credit union  :)

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