They Say I'm 'Exceptional'.

[atsah]

my experience has been they make the easiest choice never the best (that they can actually make), most people simply can't believe they can't afford the lifestyle they lead.

There are some that do this no doubt but there are others that don't have a choice for one reason or another, don't lump everyone into the same pile..

 

[LittleBill21]

There are some that do this no doubt but there are others that don't have a choice for one reason or another, don't lump everyone into the same pile..

i don't play the 1 off game. there will always be someone who doesn't fall under this. I am always talking the averages

 

[Industrial Toys]

I have been very fortunate and some people I know are resentful of that. But you know what? Some peodple, no matter how much good fortune comes their way, they will squander it. So I don't feel I have anything to be sorry for for being (mostly) reponsible. If you ever look into Lottery winners. MOST, squander it and many even don't make it out of the experience alive!

 

[Bird]

This thread shows that we're all different. Some have complaints about credit card companies, some do not. But most of us have had at least some interesting experiences. I've already posted about what happened when a payment I sent to a credit card company failed to get there for a month. And the card company cancelled the interest they were going to charge. At least twice someone has gotten the information to make fraudulent charges on one of my credit cards. Both times, the credit card company cancelled the card and very promptly issued a new one with a new number. And once I had a very small problem that was definitely my fault. I bought a new computer, printer, etc. on a credit card. Then I had a service station reject my card for a gasoline purchase. Now I was sure that I was under my limit, and of course, planned to pay the bill in full on the next billing date. But when I got home, I checked and "oops" my limit at the time was not as high as I thought it was, definitely my fault, and I'd gone over the limit. I called the credit card company to apologize and the person with whom I spoke said he'd just raise my limit and that way it would never show that I'd gone over. So I've had no reason to complain about my credit card companies with one exception. I have a Chase Visa card, never any problems with the card or credit, etc. BUT they have the most inconvenient website of any company that I deal with. And mention of old accounts being cancelled reminds me of the fact that many, many years ago (so long ago that I can't remember when), my credit union offered something they called a "phone a loan" in which you could set up an account for whatever amount you wanted to that they would approve, and any time you wanted to borrow money, you just called on the phone and told them how much to put in that account, and of course you'd pay interest on that amount until it was repaid. Now maybe 40 or 50 years ago, I thought I might need a little cash sometime and it would be nice to have it readily available, so I set up a "Phone A Loan" account for $5,000. Now I NEVER used that account at all in any way. But it still shows as an open account on my monthly statements with a zero balance EVERY month.:laughing:

 

[fried1765]

mind giving the exact card? no annual?

Compass Bank VISA (I think I may be a grandfathered customer)
No annual!

 

[fried1765]

I used cards all the time UNTIL I was buying gas and the card was declined, and yet again at the grocery store, made me feel like an idiot, there was no balance on the $5000 credit limit, they closed the account because I hadn't used it for a while and didn't let me know. I closed three accounts as soon as I got home, I keep one that I use for gas at least once a month they can keep the rest..

Credit card company's aren't in business to make sure your purchases are covered if fraud is evident or to give you money back, they sit and wait for an emergency high dollar item that you need immediately and don't have the money for and probably wont be able to cover within 20 days. It's a matter of time before that happens and they know it..

People have ups and downs through life, credit card company's wait for the downs and then give you a swift kick in the you know what as soon as the card holder is at there worst, nice people they are..

If you call, and warn them that you are about to charge a high dollar item, or are leaving the country, there is never a problem.

 

[atsah]

If you call, and warn them that you are about to charge a high dollar item, or are leaving the country, there is never a problem.

I know that but what in my post made you think I tried doing that? Local gas and grocery's was all I tried buying.

 

[Doofy]

We notify our bank and credit cards when we are about to travel out of state. This way, they know we are traveling and that it is us traveling and using our cards.

 

[atsah]

I do the same..

 

[LittleBill21]

Compass Bank VISA (I think I may be a grandfathered customer)
No annual!

I have a feeling you have a card no longer available. if you have a minute, if could see if its still offered i would appreciate it. i did a bunch of searches and not finding it