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06-24-2009, 02:41 PM
| #1 (permalink) | |
| Living Seas wannabe  Join Date: Apr 2003 Location: Jacksonville, FL
Posts: 27,895
| cancelled a credit card I have a card I have had for 19 years... I was late on a payment, it completely slipped my mind while I was on travel - so I paid it as soon as I realized - and the MORE THAN DOUBLED my interest rate. I called and asked them to lower it back down - and they said NO.... They told me that if I didn't miss a payment for a YEAR they would CONSIDER lowering it -  So I closed it. They just lost a customer of 19 years... dumb business move IMHO... and now I will focus on paying it off and getting it completely gone...I know it was my fault - but since I haven't been late on a payment in like 7 or 8 years -- and to be late ONCE and then more than double the interest rate.... makes no sense to me.  :
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06-24-2009, 02:48 PM
| #2 (permalink) | |
 Join Date: Aug 2005 Location: Philadelphia suburbs, PA
Posts: 3,346
| Unfortunately, with the new bill coming into effect in a few months, CC companies are going to put it to us any way they can. I know there is a company we will never deal with again after all the dust settles. Sorry that you got treated so poorly.
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06-24-2009, 03:28 PM
| #3 (permalink) | |
| Community Rank: Globetrotter   Join Date: Aug 2003 Location: MI
Posts: 3,975
| Sorry to hear it, Terri! Since you are such a long-time customer, it seems really stupid that they can't make an exception in your case. All the automation of everything really hurts--both them & us!
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06-24-2009, 04:10 PM
| #5 (permalink) | ||
| Community Rank: Trailblazer   Join Date: Aug 2007 Location: St. Charles, Missouri
Posts: 5,572
| Quote:
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06-24-2009, 05:29 PM
| #6 (permalink) | ||
| Uncle Duck  Join Date: Aug 2004 Location: Paradise, CA
Posts: 15,034
| Quote:
 ) description of law changes that go into effect. Many companies are making increases before the bill prohibits/limits them.» Credit Card Reform: Inside the CARD Act of 2009
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   Last edited by duck addict; 06-24-2009 at 06:40 PM.. | ||
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06-24-2009, 05:44 PM
| #7 (permalink) | |
| Community Rank: Trekker   Join Date: Feb 2009 Location: The wilds of Texas
Posts: 1,162
| We are cancelling all but one card, the Disney Visa, since I pay off all my balances before I get charged now. Didn't use to be that good but I made that change this past year and am so glad I went through the budgeting pain to get there.
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06-24-2009, 06:18 PM
| #8 (permalink) | |
| Living Seas wannabe Join Date: Apr 2003 Location: Jacksonville, FL
Posts: 27,895
| Here is the really funny thing - they wouldn't work with me when I had the OPEN account, but they lowered my interest to ZERO on the closed account and set up a payment plan with me - making payments are half as much as they would have been before....
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06-24-2009, 06:23 PM
| #9 (permalink) | |
| Join Date: Aug 2005 Location: Philadelphia suburbs, PA
Posts: 3,346
| Well, at least that's something!
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06-24-2009, 07:11 PM
| #10 (permalink) | |
| Magic Happens!  Join Date: Oct 2001 Location: E. Stroudsburg, PA
Posts: 21,271
| Wow, Don, thanks for the info! I didn't know some of that! :
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06-25-2009, 01:56 PM
| #12 (permalink) | |
| Community Rank: Explorer   Join Date: Aug 2008 Location: Ballston Lake, NY
Posts: 10,935
| Sorry that happened to you. I had a similiar thing happen with BOA. When they wouldn't work with me even though I was a long time customer I canceled the card, put in through the shredder and then mailed it back to them.
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06-28-2009, 08:09 AM
| #15 (permalink) | |
 Join Date: Mar 2007 Location: North Jersey
Posts: 5,266
| Here is a link to two PassPorter articles that give a little help with credit cards: http://www.passporter.com/articles/c...ash-course.php http://www.passporter.com/articles/c...101-travel.asp
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About This Page: This is a discussion on cancelled a credit card within the The Office: Budgeting and Reward Programs, part of the PassPorter Community - Message Boards and Forums; I have a card I have had for 19 years... I was late on a payment, it completely slipped my ...
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