CITI is ripping us off

Quote from krazykarl:

^^this. Just wait until an employer runs your credit report.
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There lies the big lure of trading... Since we are are great traders here on ET so we don't need employers either!
 
Quote from the1:

All you did was shoot yourself in the foot. Good luck trying to get a job (if you ever need to) with a delinquent balance or a possible judgment on your record.
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WIN stands for Work Is Nonprofit...
 
Quote from krazykarl:

^^this. Just wait until an employer runs your credit report.
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the criminals at banks always report negative trade lines incorrexctly, usually as a factoring account...you could sue them if this caused you to lose a job.....

I have had my credit run exactly once in my life when looking for a job
 
I just got a letter from my CC company telling me that I now have to pay an annual fee.

I also pay my balance off every month and am never late. I had this card for 10 years.

Guess what, Obama and his douche bag friends in congress did this. These fucking morons were hell bent on passing CC legislation and now the financially responsible customers are paying for it.

Up yours Obama, you fucking jackass!
 
Agreed
Quote from RangeBar:

It should not make one bit of difference whether they charge you 3%, 30%, or 300%.

If you aren't paying off the FULL BALANCE every month then you are mis-using your credit card. Force yourself to pay off the full balance every month (or pay in cash only) and you will find yourself wasting a lot less money and have more cash at the end of every year.
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Here's how to beat the banks:

Don't use credit cards at all, pay in cash whenever you can and always pay off any debts you owe.

These people RELY on debt and credit as a currency, the moment you take that away from them they are powerless.
 
I'm thinking that Mexicans are WAY smarter than white bread Americans.. I was in a 7-11 this morning to use the ATM and get a cup of coffee... so this ATM looks like a video game, it cashes checks, it gives out 20's, it transfers money, it's amazing... that is the Mexican bank.. they don't do credit card garbage at all... they don't borrow, in Mexico they are eating range fed goats and chickens and lots of veggies... they have a good quality of life in many regards. When they bring that outlook to the US where there is rule of law, they are enjoying the best of all worlds probably..

I've been happier without credit, it's one less thing to think about... life is too short to get continually fucked with by some shithead banks!
 
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