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Avatar for cl_phocid
iVillage Member
Registered: 03-26-2003
Information about your account...
11
Tue, 06-08-2004 - 12:03pm

Has anyone actually ever read the back of the cc statement?

All my best,
Danni

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Avatar for cl_phocid
iVillage Member
Registered: 03-26-2003
Tue, 06-08-2004 - 12:18pm

Crediting of Payments:


Payments received by 1:00PM on any day except December 25 will be credited to your account as of the day of receipt.

All my best,
Danni

iVillage Member
Registered: 03-29-2003
Tue, 06-08-2004 - 12:48pm


That's so true Danni. You'd be AMAZED how many balance transfer checks I've received from MBNA now that I've paid them off! Hmm, is this the same company who raised my rate a few months ago b/c they wanted to "encourage" me to pay off my account faster??!!


Kimberly



Avatar for cl_beckymk
iVillage Member
Registered: 03-19-2003
Tue, 06-08-2004 - 2:18pm

YEP...I have actually skimmed the back but honestly it boils down to just this...


"We will do whatever we want, whenever we want to and there is absolutely NOTHING you can do about it if you choose to continue using us"

Avatar for cl_phocid
iVillage Member
Registered: 03-26-2003
Tue, 06-08-2004 - 2:54pm

I just found another interesting tidbit!

All my best,
Danni

iVillage Member
Registered: 05-23-2004
Wed, 06-09-2004 - 8:18am
OMG! That is hysterical!

You are dead on, sister :)

iVillage Member
Registered: 12-09-2003
Wed, 06-09-2004 - 9:18am
i actually told one of the temptresses that although the offer was tempting.....the 0% interest for whatever amount of time on transfers....I am not taking the offer because although it SOUNDS lovely and inviting there is still a shark in the pool!

the money I have on the card will sit there churning away at 15.99% forever until I pay the transfer off.....uh......and you want me to transfer $15,000!! NO THANKS.

I could feel her blush!

She kinda stumbled and stuttered and said....ya know.....that is true! (kinda like I just gave her some NEW information)

i think she thought she was helping ppl out of their debt situations by offering the zero percent...but in reality trapping them and the current balance forever....

nope! not interested!

iVillage Member
Registered: 11-13-2003
Wed, 06-09-2004 - 12:29pm

This is great...I am thoroughly enjoying this post....


the allocating funds thing....did ya notice that cash advances (something I was guilty of at one point) are a higher rate and no matter how much you pay, the cash advances never go down until the purchases are paid off?


Maybe thats what you were saying though...sorry if I am being redundant....


I am telling you, once my debt is paid off, I wil NEVER charge again, if i have learned anything valuable, it is how down and dirty those companies are...they sicken me, and I wish that the rest of the world were better educated on this....


as for the interest cap that becky mentioned, I think that varies per state, I know NY caps at 30%, that's why we don't have any of those payday loan places here. They won't make as much....not that I would use one anyway....


I vow, from here on out, to make compound interest work FOR me, rather than against me as soon as all this darn debt is gone...

  cl-

iVillage Member
Registered: 06-15-2003
Wed, 06-09-2004 - 12:35pm

How rude of me, I didn't take off my hat!


I am so sorry!


okeefester3


<<<<<>>>>>


~okee

(formerly oneandonlyother)

Avatar for cl_phocid
iVillage Member
Registered: 03-26-2003
Wed, 06-09-2004 - 2:58pm

No worries about the cl hat - I swear I log in sometimes as myself w/o hat, and yet when I post, I have the hat. Grr :)


What you said about the cash advances is absolutely correct.

All my best,
Danni

Avatar for cl_phocid
iVillage Member
Registered: 03-26-2003
Wed, 06-09-2004 - 11:24pm

Just found another gem.

All my best,
Danni

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