My husband and I have one card
Posted By: Trigger Happy on 2009-05-27
In Reply to: Credit Card Reform Can Cost Good Card Users - sm
that we pay off every month. I am so sick and tired of being punished for being responsible when irresponsible people are constantly getting "taken care of." We should be rewarding responsible people....not the other way around. This is ridiculous and frankly....it p!sses me off.
Complete Discussion Below:  marks the location of current message within thread
The messages you are viewing
are archived/old.
To view latest messages and participate in discussions, select
the boards given in left menu
Other related messages found in our database
My husband has a CitiBank card - sm
They call 4-5 times every day and are demanding that he make payments AHEAD. They want him to pay through March 2009. What the heck is that about? They will not stop calling and he has made his monthly payments so why are they demaning that he pay ahead now?
Have U renogiated credit card debt when minimum payment got too high? Do they take your card away,
s
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.
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?
gas card
I always go with cash, but if you don't like that maybe a gift card to the local gas station. Ours has this in any denomination you choose.
Does your husband or significant other do this? Just now, at 7:30, my husband came home from sm
playing sports with a friend. After showering he comes downstairs naked and tries to start a conversation with me. My "office" is in the living room and he is standing in back of the couch so I can't see any private parts, just him without his shirt, but I can see enough to know he clearly is naked! I think he wants me to be amused or get turned on or something, but I'm not amused one bit. In fact, I keep working and basically ignore him.
Poor guy. I swear he thinks he's Vince Vaughn or something. I should at least smile at him but all I want to tell him is to put some clothes on! ugh!
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. 
Gift Card
Just a note. I learned from my daughter and my neices that the VISA gift cards are the prefered gift card. They can be used anywhere salons, stores, and even gas stations which for a 16-yo can be a lifesaver.
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.
I think a card or something simple would be
appropriate. It is the thought that counts. I'm not talking a diamond ring or something! He just doesn't make much of any holidays. Yes, my kids are very young so they cannot do much themselves. One time he did take the kids for part of the day and let me relax.
Anyone Want a Calling Card?
I just bought a calling card for work and it screws up the dictation too bad. Would anyone like it for personal use? I can e-mail the number and PIN to you. No charge, just don't want it to go to waste, and we have a cell phone for LD.
When it says no gifts, I always take a card. nm
!
yes, I got a Kohl's card
I love to shop at Kohl's. Will be heading there Saturday, after my son does something with my hair - can hardly wait!!!
not a sympathy card...
Just a congrats on your new baby and friendship, etc... No, sympathy on behalf of the baby would be totally out of order. The baby is fine except for a common foot deformity. It is correctable. No she needs a pick me up card. Something to brighten her day.
all of them that I can because my debit card
so I rack up the points paying my bills online with it!!
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
Maybe not a gift card
but a gift certificate to a groomer might be nice!
I've never used an air card, but
I hear they are just as fast. I don't know anything about them, really, sorry
Questions about your card-
Have you paid on time every time and have you paid the amount due? I have credit cards and mine have not gone up- in fact if they did I would call, tell them what an excellent customer I have been and then ask for a reduction in the credit rate. Have done before and they did this for me.
Used my debit card for everything - sm
but spent too much, about $800 in all. Got overcharged on my gift cards, bought 2 at $50, but got charged for 5.....just got my money back from the offending store on that one, which was quite a fight. They would not even listen to me, filed papers with the bank and sent the company a nasty detailed email to their complaint department, which believe it or not did the trick. My bank did not have to do anything in the end, just kept me informed on what the store was doing, took a week to get it resolved, but got my $164.85 back.
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.
Welcome back card to Hilton
Dear Hilton:
We are so happy to have you back. We heard about your rash. We think this poem will help. Post it above your cell toilet:
If you're here to have a sit -
stand on the seat.
The crabs at Lynwood Jail
can jump ... three feet!
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.
I LOVE the gas card idea...nm
111
I got a card at Christmas that I did not open
and put in a drawer- so no not everyone wants a card. The poster needs to mind her business and cool it. I would be totally put off by a popping in to see me, taking a dinner over for me, etc. etc. I think the mother said new mother does not WANT to be bothered. What is so hard to understand about that? Lots of people are worn out after giving birth and want time to recuperate. The poster made to do about her friend not accepting calls while hubby home and she does, and so? The new mother in her own home makes her own rules and the rule she has for right now is not seeing any people or talking on the phone, her wishes.
I think a card is a good idea to let her know you are there for her when she is
good and ready. Those cards did help me.
I wanted to tell you that my PPD was so severe I ended up overdosing and spending 2 weeks in the hospital due to severe depression. It is a serious disease.
a charge card slot in their
bra LOL
Thank you - belated card and flowers to you :-) sm
I can't figure out why some people get treated well and others don't. I think maybe those of us who take care of others a lot are just taken for granted...I just don't know what it is. Thank you for caring!
I could have sworn I saw one for a Green Card
 -- I think this dude needs one!
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?
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.
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.
I always give handmade card. Also, SM
a romantic evening is in order. If you have small children, can they stay at relatives home for the evening? It falls on a Saturday, so might work.
Make it real romantic. Details of which I would be too fearful to relate here. Show him how special he is to you.
Why would you send in an RSVP card
for dinner. The answer I would give is NO. I got an invitation to a cousin's wedding, someone I never heard from, her mother (paternal aunt), never heard from her either and I laughed and threw the invite in the garbage. Why would you even think you had to go or even respond?
Is there a debit card available where a bank
?
I use a prepaid debit card. sm
My pay is deposited right on the card. I can also load the card, but it costs $3.50. Its called Real Money. There is a $5.95 month fee though. To take money out of an ATM costs $1.50 plus whatever the ATM charges. It also has a bill payer with a lot of merchants already programmed in so you can pay bills online. The only problem I have with it is that they'll put holds on funds and give the merchant 15 days to claim it before releasing it like if something gets charged twice for instance. One time I tried to buy a money order at the Wal-Mart money order machine and it never gave me my money order but had charged my card. It was for over $200 and they were going to hold it for 30 days! I had to have Wal-Mart fax a release to them. That was a pain.  You have to be careful with some of this prepaid debit cards and read the fine print because some of them have a lot of hidden fees.
I agree. They always love $$ which a gift card is. sm
Especially if you don't know her. But if you have a favorite lotion you use, or something cosmetic, for that amount $20, they really love new, special cosmetics, too.
Not so much by unknowns but by my own credit card companies,
all foreign people, trying to sell me the credit protection. The last one called me for around 10 days straight (unknown # on the ID)until I finally answered! I told them all to put me on THEIR "do not call list" or I'd cancel the card. Seems to have worked. ;)
If it was a VISA check/debit card she will get -sm
her money back, don't know about other "brands" though. Someone stole my number from a BJs database and charged about $800 worth of stuff in another state quite far from us, of course the money came right out of our checking account. I went to the bank, filled out a zillion forms and had the all of the money back in 24 hours in a new checking account. That is total bull that she won't get the money back, the bank should guarantee it. One of you should definitely look into it and make some noise so she gets ever penny back.
huh? I have a debit card, not a visa, mastercharge....
and I cannot charge on it - I can only get $$ off it - and use it anywhere they accept debit cards (Walgreen's, etc) but not in dept. stores - only to DEBIT my card - never to charge. The bank always tries to solicit me with a Visa or Mastercharge debit card and I constantly cut them up and send them back to the bank - I don't want another VISA card (already have three, two of which I never use) and so I ONLY want a bank debit card...WAMU is the bank
Need help on what to write on sympathy card for baby SM
My friends just lost a baby to SIDS. The funeral is tomorrow. Unfortunately I can't make it, but I'm sending a sympathy plant/flowers. I'm at a total loss for words. What should I write on the card? Appreciate any input.
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!
Anyone ever have trouble with the video card in their computer. nm
:
A "gift" for the wedding is always a check in a card,
s
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....
Send her a card saying a donation was made in her name.
Give it to someone or some cause that will appreciate it.
Letter or card writing to Iraq sm
Get an address for someone in Iraq and have them all write a letter or draw a picture for them.. All it will cost you is to buy some paper & envelopes and provide a stamp, won't cost much more for material than most projects. There was an address on here and perhaps she will e-mail you. My brother never forgot that my son's class did this for him. At that time the postage was free, not so with this president, I assume. I put postage in mine to Iraq, didn't ask.Dont know what the postage is today - it should be free but I seriously doubt it.Perhaps some parents would donate stamps as well.
I agree with the gift card idea!
It's not worth putting a ton of thought and money into something if they're just going to end up selling it and not appreciating it. A gift card is a great way to give someone a chance to get something that they want. I got lots of gift cards this Christmas and loved every one of them!
I was just saying I think it would be out of line also to send her a sympathy card...
I AM leaving her alone. I am just asking for other insight since I don't understand this. Like have other people done this. I am not pushy. If I were pushy I would keep calling and asking to speak with her or go over. I am respecting her wishes. I haven't been over because she said she doesn't want anyone over. How am I pushy?
|
