Credit Card Companies. Grrr!!!
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|Wed, 06-11-2003 - 11:20am|
Anyway, about a week ago I call Cap 1 to see if they will lower my interest rate. The person says I'm not eligible. BUT I am eligible to sign up for one of their handy dandy credit monitoring programs, which although he did not explicitly say this he implied that signing up for the program would help improve my credit, making me eligible for such "enhancements" in the future. The only enhancement I see, is that I will pay them even more money for something I can do on my own. All I need to do is (1) stop accruing debt; (2) pay off my balances; (3) get as much information as I can; (4) check my credit reports regularly. Although with my credit, I seriously doubt that I am a candidate for identity theft. I still like to check for errors though.
Today I called American Express because I have 2 charges for "flight insurance" for 2 plane tickets I bought last month. I called to dispute the charge, because never would I sign up for something so stupid (accidental death insurance). I never mailed in a request and screen out any telemarketer calls. The only other person in my house is 4. They cancelled the flight insurance, but they tried to sell me at least 3 other kinds of travel insurance. Ranging from $4 to $25 dollars per use. What a rip-off. One of the insurances was for car rentals, which is included with card already!!! Also no one can tell me how I signed up for the service. They just say I did it on April 19.
I'm fully committed to paying the companies what I owe. No one made me buy so much stuff. But I will not let them make one more cent of profit off of me, and I will try to free myself as quickly as I possibly can. There is no end to the amount of money they try to get you to spend. I'm learning to always be aware.