krim wrote:I just got a note from Citibank.
They're changing my APR to prime +13.99%. for regular purchases. Late and overdraft fees are now calculated based on amount.
Not that I carry a balance, but, that's rather steep. And aside from the car loan, i owe nothing, and my FICO is 800+. I wonder if i should just cancel the card in protest. Not that I lack cards with large limits or anything. No wonder they're going under, ill bet people are fleeing in droves.
I've got a citi diamond rewards preferred.. and I sure as hell hope they don't change my plan - no balance there either (I think I'm at prime + 5.2%) my rewards are fantastic with that card! Come on Citigroup.. you can make it! I wanna keep reaping free stuff from your less responsible customers.. I mean :ashamed:
I've got a citi diamond rewards preferred.. and I sure as hell hope they don't change my plan - no balance there either (I think I'm at prime + 5.2%) my rewards are fantastic with that card! Come on Citigroup.. you can make it! I wanna keep reaping free stuff from your less responsible customers.. I mean :ashamed:
I'm pretty sure it's company wide, you might get yours soon. but check your latest statement. Mine said it went into effect OCT 1, 2008, good thing it only took almost 2 months to notify me.
If i dont leave a balance or default (Prime + 23.99% up to 29.99% now :shocked: ) it really wont matter. They added the FOREX charge of 3% like all my other cards.
Payment fees (bounced check, over the credit line, etc) are all up to $39, up from $26 i think.
My card expires 4/2010, so i'll be able to use it for a while if i opt out.
krim wrote:I just got a note from Citibank.
They're changing my APR to prime +13.99%. for regular purchases. Late and overdraft fees are now calculated based on amount.
Not that I carry a balance, but, that's rather steep. And aside from the car loan, i owe nothing, and my FICO is 800+. I wonder if i should just cancel the card in protest. Not that I lack cards with large limits or anything. No wonder they're going under, ill bet people are fleeing in droves.
What a total rip.
I just paid off one of my cards for that reason. :grumble:
It started snowing which means traffic is probably going to be horrible so instead of getting in a power nap, I have to leave for school early.
And I've been having back pains this weekend. Not looking forward to the backpack. I would leave half my books in the car and switch them or something but because of the weather I don't want to walk all the way back there. And I tried a rolly backpack but it was even more of a pain.
marspeach wrote:It started snowing which means traffic is probably going to be horrible so instead of getting in a power nap, I have to leave for school early.
And I've been having back pains this weekend. Not looking forward to the backpack. I would leave half my books in the car and switch them or something but because of the weather I don't want to walk all the way back there. And I tried a rolly backpack but it was even more of a pain.
What about a regualr small suitcase.
I sympathiize with your back pain. I spent a fortune this year going through the whole rolfing series. Which definitely helped though Im still not pain free. :beaten:
Rolfing is not for everyone though.... kinda of excruciatingly painful at times. :beaten: :beaten:
What bothers me are the stores that are closing... but they're still selling gift cards. Of course, the cards will be worthless once the store closes.
I like gift cards. It saves me a lot of shopping. I do not like shopping.
Credit cards? I cut up all of my credit cards the day they came up with check cards. I still get to use the check card as id., I still get to use the check card when I buy something on the net.
But I don't have to deal with those loan sharks that call themselves credit card companies.
Geezer wrote:What bothers me are the stores that are closing... but they're still selling gift cards. Of course, the cards will be worthless once the store closes.
I like gift cards. It saves me a lot of shopping. I do not like shopping.
Geezer wrote:
Credit cards? I cut up all of my credit cards the day they came up with check cards. I still get to use the check card as id., I still get to use the check card when I buy something on the net.
But I don't have to deal with those loan sharks that call themselves credit card companies.
I'm with you on that one, Geez. Credit cards suck. The official interest rates have been dropping like a stone here, but credit card interest rates haven't changed at all.
The only credit card I have is a company one, but I can't use it for myself :grumble:
Anime Dad wrote:I'm with you on that one, Geez. Credit cards suck. The official interest rates have been dropping like a stone here, but credit card interest rates haven't changed at all.
The only credit card I have is a company one, but I can't use it for myself :grumble:
Credit cards don't suck: it's the interest rate that sucks.
Though it means little to those (like me) who pay off everything each month... :victory:
i'd use my check card, but making purchases online and such, i dont want to have the account stolen or hijacked. Back in the day, you'd lose everything and it was very difficult to get it all back. Now, you're better protected, but I still wouldn't want my checking account raided and have to wait 30+ days to have the money refunded. Plus it's nice to get $$ back.
marspeach wrote:It started snowing which means traffic is probably going to be horrible so instead of getting in a power nap, I have to leave for school early.
And I've been having back pains this weekend. Not looking forward to the backpack. I would leave half my books in the car and switch them or something but because of the weather I don't want to walk all the way back there. And I tried a rolly backpack but it was even more of a pain.
I completely know what you mean. It took me an hour to get home today due to all the snow, when normally it takes 1o minutes.
Not sure what you meant, but usually LiveJournal works for me. It's just tonight that it seems buggy. Not getting comment notifications either, but that part's affecting everyone.