Another Reason For Me to Hate Credit Cards
December 12, 2007 by Erik Folgate
Filed under Credit and Debt
If you read my blog long enough, you’ll soon realize that I hate credit cards, and I strongly dislike the people that work for credit card companies. I know that they are only doing their job, and I’ll never say that I hate someone unless they kill my first-born child or something, but here is a great example about when you play with snakes, you WILL get bitten.
I paid off a credit card 6 months ago, thinking that I had paid it in full, I closed out the account. I moved soon after that, and forgot about the credit card. Usually I check back up to make sure that I “really did” pay it in full, because credit card companies can be weird about that stuff. Needless to say, there was an extra $50 on the card that hadn’t been paid, and I didn’t know about it, so they sent it to collections. Collections company called me and did their little intimidation thing, and I asked them to send me a bill in the mail. They sent me the bill and I paid it like 3 weeks later. Well, tonight they called me and said they new total was $87, not $68, which I originally paid. Although, they hadn’t cashed the check yet for $68.
I call Citibank and they sit on the phone with me for 30 minutes saying they aren’t going to take a $19 dollar late fee off of delinquent debt. The fee was charged like five days ago. Seriously, this is what credit card companies do. THEY DON’T GIVE A DAMN ABOUT YOU! Seriously, stop playing around with these idiots. You may be the best at paying your bill and being on top of things, but the first time that you screw up, they will take full advantage of it. Just wait and see. Screw them. I will never use a credit card for personal use ever again, and I’ll spend every day of my life telling people why I think credit card companies should go down the tubes, where they belong.
Now, shower me with comments about how I am wrong and credit cards are great financial tools.
Now here is a funny story about my credit card experience
My father recently couriered me an add on credit card.I am a student studying mbbs in china. This is what happened:
My father told me about the credit card credentials card number pin number ccv and all that stuf even before the card reached me.
i decided why not shop something over the internet lets give it a trial.
i bought a piece of sofware that costed about 29usd well well i decided to do more buying buying and buying stuff suddenly one fine day i saw that my credit card was being rejected and no wonder my father was shocked at seeing the statement fuckin 1500 dollars wow!! i shocked myself when i saw it.
Now my father sends money by western union
and everywhere he goes he says
NO CREDIT CARDS!!!!
I absolutely agree with you. I am not going to use my credit cards on purchases, unless I have to in cases such as car rental or airline ticket. Maybe I could use my debit card with Mastercard logo on it and avoid using a credit card in those cases too? Why? Because the credti card issuing banks are greedy, heartless, and unfair m—-ers. That’s what they are.
I am not a socialist, not poor. That is not why I am angry at them. I spend money on goods and services, and I am not going to get credit card company involved between me and the merchant I am buying my goods and services. The transaction will be between us and no third party needed. I would rather have small/medium size business owner make that extra money rather than a credit card company.