Since from previous e-mails, you have NO intentions of crediting the UNADVERTISED $100 balance transfer fee, and you have NO intentions of reducing the interest rate to the ADVERTISED rate of 9.99% FIXED, I sent over 1/3 of the balance due on 07/30/01. The final $ ________+ will be paid by 08/15/01 (THE INTEREST RATE JACK-UP DAY).<-----------THIS IS GOOD (If anybody wants to use it...PAY me 2 F.I.C.O. POINTS) JUST F.Y.I.
THEY DID THE SAME TO ME, E-MAILED A NOTICE, THEN THE REGULAR MAIL, I HAD THE 9.99 "FIXED", THE NOTICE SAID SOMETHING LIKE "CHANGE IN CREDIT RISK", EQUIFAX, BUT THE ONLY CHANGE WAS TWO MORTGAGES PAID OFF!!!!!!!! I CALLED AND REP WAS USELESS, DID A BT TO DISCOVER @ 5.90%, LEFT THEM A COUPLE BUCKS CREDIT BALANCE SO THEY HAVE TO SEND A STATEMENT, I WILL NEVER USE THE CARD AGAIN, FUNNY HOW THEY INCREASED MY LIMIT AN ADDITIONAL $1,500, I WAS SUPPOSED TO BE A RISK!!!! MY WIFE'S IS STILL @ 9.99, UP FROM 7.9, BUT ANY CHANGE AND THAT'S GOING TOO, MAYBE BEFORE THEY CHANGE.
WHO KNOWS??? What is amazing is her F.I.C.O. WAS 43 POINTS HIGHER THAN MINE... 741 F.I.C.O. RATES A SUB-PRIME CARD? ALSO SINCE WHEN DOES 18.99%=PLATINUM?
You have to respect them for screwing everyone equally. Sounds like they really do have principles after all.
NOW THEY ARE TRYING TO ENTICE ME BACK WITH SPECIAL 3 MONTH BT OFFERS, BUT I WON'T BUDGE, I DON'T TRUST THEM, I HOPE THEY COME UNDER NEW MANAGEMENT OR GET BOUGHT UP. WHEN I 1ST APPLIED, I THOUGHT THEIR ON-LINE APPROVAL SYSTEM WAS GREAT, W/ THE BALANCES OWED & ALL.
3 months is not worth the hassle... If they offered 9.99% OR LESS balance transfer @ no cost for no less than 6 months, and a credit line increase (NO INQUIRY), it would be worth it, I guess. ALL I EXPECT TO GET FROM NEXT CARD IS..."DO YOU WANT TO CLOSE THE ACCOUNT" THAT IS CODE FOR 19.99% CLOSED ACCOUNT RATE!