OMG! I worked at a hospital where the ID badge was credit card

• Looking to quit my job. - 401k question
  • this years - l
    • Sorry.. I meant - lfish
      • That is what I was afraid of - 401k question
        • OMG! I worked at a hospital where the ID badge was credit card - Paychecks were small due to it
        • I understand.... - lfish

The messages you are viewing are archived/old.
To view latest messages and participate in discussions, select the boards given in left menu

Especially when I never use it anyway, and really never wanted it?

With all the bank rearranging going on in the past few months, one of my accounts was tranferred to Bank of America. I was sent new cards and a new agreement, new interest rate etc...

So I called them up and cancelled but before they did, I had to listen to a spiel about how this would negatively affect my credit report.

Huh?? Why is that?

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.

pampered chef, anything you wanted to buy, you could purchase all on company time.  There were also people that would sell dinner plates through their church.

This "daylighting" is nothing new.  I myself on breaks would "deliver typed reports to an internal office."  I stayed in the building, but I was on my break (not paid) or on lunch (not paid).  So, what's the difference?

Tell me this isn't true; anyone who has worked on-site knows it happens every day.

as a nurse's aide, there were several episodes similar to that.  I was young about 19 to 20.  One particular episode, I went in and picked up a breakfast tray and asked the guy if he was ready for his shower.  He said yes, I told him I will be back with a new gown and towels.  He said okay.  When I came back in he was stripped down to nothing but his birth suit.  I put the towels down and went and told the other nurses about the incident.  Also, there was another man wanting me to wash his thing, KWIM.  If he were comatose or had both hands broken I would have to but there was not a thing wrong with this man and I refused.  I went and got another aide and asked her advice and she said she wouldn't either.   We told the nurse's and the doc about the incident and he wrote that up as an incident report.  

Usually men like that I took it that they had some screws loose. 

http://www.cccsatl.org/index.asp?_method=view&sc=43&cn=486&md=debtmanagement

Here's what you want to use...  It is called Consumer Credit Counseling Services.  They are legit.  Now back when hubs and I did it about 15 years ago, there were no computers, per se, so we went on site to an office.  I don't know what state you're in or if there is an office local to you, but it looks like you can do this online. 

We did it, completed it, and it was great.  However, they cut your credit cards up in front of you and put them in a huge jar (at least they did back then).  Once you join, there are no more credit cards.  What CCCS does is works with your creditors to reduce interest rates, payment size, etc. because they are networked.  You then make one lump payment to CCCS and they disburse the money.  They also take into consideration your income.  I think that's what makes it all work.  Also, this is what tells them how long it will take to pay off the debt.  Just beware though that if you are "behind" on payments, sometimes certain creditors do not accept CCCS, so they may hassle you still and some just plain won't accept CCCS's offer. 

Believe me, even though we are not late on payments, we had in the past 3 years so much personal stuff go on (sickness, death, etc.) that we have racked up some debt ourselves and may try CCCS again, as one card we have raised the rate to 33% interest because we have a high balance.  We make regular payments.

All in all, it's a great plan and it does work, but you no longer have credit cards (they close the accounts), and you will have a "bad mark" but yet a good mark on your credit report for using CCCS.  Check with them about that though, as I do not know the specifics.  It is way better than bankruptcy...

Hope you find some relief soon!  My thoughts are with you...  I'm not judgemental because I've been there and done that. 

Get this, I haven't used my Providian/Washington Mutual credit card in quite awhile.  I got the new credit card in the mail to take over for the old one, and I thought I would give the company a call to find out what the interest rate was on it.  So after reaching India of course, I asked for someone in the United States, was put on hold for 4 1/2 minutes and then disconnected.  So I call back, go through the 15 prompts and get someone from the Phillipines.  The interest rate on my card is 31.8%  Yep you are reading that correctly - 31.8%. 

I am passing this information along because I am livid at the fact that the interest is 31.8% (which, by the way, neither person on the other end of the phone said "let's see what we can do to lower this.), and because TWO countries have this credit card's business and people in the US are working 2-3 jobs to make ends meet.  I know this has been an ongoing discussion about offshoring, but I was more angry at the fact that it is 31.8% and that no one offered to lower the rate, even after inquiring about it. 

If there is anyone out there who has been sued and had a judgment placed for credit card debt....

What happens when you go to court??  I don't own a house and live week to week (part-time IC, not very supportive husband) so they can't get blood from a stone so to speak.  But I was wondering if anyone has gone to court and what actually happens. 

Sorry, but the dog needs to stay where she is.  Parvo is highly contagious and very often fatal.  The dog needs constant monitoring by a trained staff, not a loving mom. 

Hope the baby gets better soon. Sorry to hear she came down with this.

My 72yo FIL was transferred to the trauma unit in a bigger city this past Saturday because of a fall and head injury he sustained Saturday morning.

Since he has been there (more than 48 hours now), he has not eaten and is not receiving a dextrose drip or the like through his IV. They only took complete x-rays, CT, and MRI on Sunday afternoon. The first time a doctor/resident evaluated him was on Sunday evening sometime after 9 p.m. Also, he is somewhat delusional. He knows his name and where he is, but he is grabbing at things in the air, wants to take the trash out, etc. This is definetly abnormal for him. He has always been alert and oriented.

My question is this: Should it take 36 hours before he is evaluated by a doctor? Is it normal not to give him any type of nourishment (no food, no IV) for more than 48 hours? Is it normal to wait 2 days to see a neurologist (who won't be in to see him until late today) when the main reason he was transferred was for neurology consult? I understand he went in on the weekend, but should it take this long to get answers.

Thanks for any insight you can provide.

Melissa

As long as you pay something every month, there is nothing they can do to you.

I would not take my money out of the CD's or move it.  Just keep paying something every month. 

she went in with breathing problems, but the longer she was there the more issues came up.  She apparent came down with C. diff.  They started coming in with the yellow suits, for infectious disease precautions.  She finally asked why, and the nurse said according to her chart she had a history or MRSA with open wounds. I said WHAT.  The last problem she had with a wound was in 1987 with gallbladder surgery when she had a bile leak and some wound dehiscence.  MRSA was not even around then.  She has never been told anything about MRSA.

My question is:  Should I confront them and ask when this was diagnosed, and what the circumstances were.  I am wondering if this is another example of OFFSHORING records where mistakes were made.  I mean really, if this is an error I feel it should be corrected, and if not, why was she never told this?

It was a physician owned hospital.  The story was on CNN.  A man had back surgery there, had some sort of bad reaction to the anesthesia and the wife herself had to do CPR.  The surgeon walked in and told her to call 911. 

The hospital has been shut down.