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Credit card companies SUCK!

Sunday, November 29, 2009

I was thrilled last year when I received an offer for a Chase card that was 0% until October 2009. I transferred part of a very high balance (at a high interest) that belonged to my husband to the card. Fast forward to now... The balance that remained on the high interest card is paid off. The card is now at it's "normal rate" of 6.99% fixed. Or so I thought... Saturday I get a notice in the mail that with all the government changes that pretty much permit credit card companies to do whatever they want, my card terms are thrown out the window. My card will follow the prime rate beginning 1/1/2010. Effectively, the fixed interest rate is GONE. The established rate (for now) will be 11.74% subject to change again of course. I called today to verify that this was indeed the case. I declined the changes to the card. This means that the card is closed. There can be no new charges (no loss there), and I just need to pay it off. I contacted my other credit card company, and need to get in touch with them again tomorrow morning when they open at 8 am. They are offering a 3.99% balance transfer rate right now. I will take advantage of that if they will increase my credit limit to cover the amount I need to get rid of this Chase card once and for all.

The funny thing is that last month I paid off and closed my Bank of America card (I have a really great debt reduction plan in place), and the day after I paid it off, I got a notice in the mail that they were doing the same thing. So far the only companies that haven't jumped on board are National City/PNC and my credit union issued card.

This credit card crap is for the birds. I can't wait to be finished all together. If they will let me do what I want, then I will have canceled two cards in the last 30 days and will only have two credit cards in our household. Not bad I think... I have other store charges that we pay in full because they offer perks, but I'm not so foolish to leave a balance on those because they are of the 28% variety. I do like the "bucks back" that they offer for use though, and I make sure I never spend more than I can easily afford to pay off entirely.

Sorry for the rant... Don't know if anyone else is out there getting these wonderful little missives from their credit card companies, but good luck getting rid of the suckers. I know I'm not going to stay a customer if they break the backs of the people who keep them in business. I wish them luck with their future federal bailout money though!

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  Member Comments About This Blog Post:

GOSPELCLOWN 11/30/2009 10:40PM

    Thanks for the warning!


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MOMMA_BEAR_69 11/30/2009 10:17PM

    Credit card companies do pretty much what they want and the consumers put up with it because 1) they don't pay attention to the inserts and information they receive and 2) they don't feel they have a choice. Way too many people live on credit cards for their daily necessities. I prefer to pay cash unless ordering online when you have to almost always use a credit or debit card. emoticonfor staying on top of it all!!!
Blessing, love and hugs, sweetie.

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DAPHNERUNNING 11/30/2009 8:58AM

    Ugh, that's so annoying! My dad paid off my credit card for my graduation present (it was pretty small), but I haven't put a CENT on it since. I'm sooooooo sick of being jerked around by them!

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ANNEKATHLEEN 11/29/2009 9:43PM

    Absolutely...credit card crap is for the birds! I've been paying on mine and my husband's cards for years. We've slowly gotten rid of two cards so far. The thing that sucks, is that getting rid of a card and/or closing it down = a negative mark on your credit. It's absolutely ludicrous! I say playing the credit game is for the birds! UGH!

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Thanksgiving is EASY... Sort of...

Thursday, November 26, 2009

I'm the anomoly... I really don't care for any of the traditional Thanksgiving foods. So today at our Thanksgiving dinner, I can say that I ate...

.33 cup sweet corn
.5 cup stuffing
.25 cup mashed potatoes (I hate potatoes)
2 small dinner rolls

Around 9 am, I had had a bottle of Cranenergy, and around 5 pm I added half a slice of pumpkin pie.

You would think I was doing okay right???

Thanksgiving is easy right??? I don't like the food!!!

Then I had to go to Redbox to return some dvds... And across the street is McDonalds... Needless to say, I ended the day with a Big Mac, Apple Dippers, and an Unsweetened Iced Tea with Lemon... Hmmm... Did I say Thanksgiving was easy???

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  Member Comments About This Blog Post:

MOMMA_BEAR_69 11/26/2009 11:44PM

    Yes it is still funny and so YOU!!!
Love you sweetie!
PS...He did not overeat...he overstuffed!!!

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POOH_BEAR_69 11/26/2009 11:41PM

    Joe definitely ate his fill!!! To the point where his belly still hurts so... He is laying down and resting now in preparation for the trip. You're right... Of course I didn't finish my Mickey D's meal. I never do! But the story is still funny!!!

Love you bunches!!!

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MOMMA_BEAR_69 11/26/2009 11:16PM

    But at least you are my anomoly!!! I thought I heard Mickey D's calling your name earlier...lol. You may have bought that but I am sure you didn't eat it all...just nibbled and picked at it...other than the unsweetened tea!!! Did our Joe enjoy his Thanksgiving dinner? I know he isn't an anomoly!
I love you!!!
Blessings and hugs,

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VERY Fitting Quote of the Day...

Thursday, October 01, 2009

There's a difference between interest and commitment. When you're interested in doing something, you do it only when it's convenient. When you're committed to something, you accept no excuses; only results. -- Kenneth Blanchard

When this popped up today, I thought... WOW! It really is true. It's funny how it now applies to the way I feel about running. Before, I would have said that I had an interest in running, but for the first time in September, I met my running goal of 50 miles for the month. That may not be a lot to some of the distance runners on some of my teams, and that may seem like A WHOLE LOT to some of the newbie runners who are still on C25K teams with me. For me, psychologically, it's a change. I met my goal because I am now COMMITTED to it.

In my mind, that can be the only difference, but the DIFFERENCE THERE IS HUGE!!! I've set the same goal for the month of October. Thanks to all who support me in my commitments and goals!!!

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  Member Comments About This Blog Post:

MOMMA_BEAR_69 11/22/2009 8:11AM

    emoticon emoticon emoticon emoticon emoticon emoticon emoticon emoticon emoticon emoticonand emoticonbutt. You go girl!!!
Blessings and hugs,

Comment edited on: 11/22/2009 8:11:39 AM

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KAMISKIX 10/16/2009 11:41AM

    Love the quote! and your committment. My cousin just asked me to start running with him and I really want to. We'll see how our schedules workout.

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JEWITCH 10/2/2009 1:39PM

    I think it is a big thing to meet our goals even if they seem small to other people standards. Congrats on meeting that challenge. Keep up the great work.

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STLRZGRRL 10/2/2009 12:16PM

    Ya... I don't know who said it but I thought of it when I read that quote:

In matters of a ham and eggs breakfast, the chicken is interested... but the pig is COMMITTED.

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BSCHWARTZ 10/1/2009 11:07PM

    Thanks for clarifying the difference. Your commitment to your goal is inspirational.
My commitment for today will include overriding my fear with faith and commitment. emoticon emoticon emoticon

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I hate my Nike+ today...

Tuesday, September 22, 2009

I planned on posting about my most recent race today, but instead, I decided that I needed to focus on a more pressing topic. My NIke+ is driving me insane!!! I use it with an iPod Touch. I have the walk calibrated, and it is always spot on. The run seems to be off. It was off by approximately .14 after the race. I attempted to run tonight (not only for health), but I also wanted to finally get this thing calibrated for my running. It didn't work! After running for 1.75 miles, I was tomato-faced and ready to pass out. I ended up finishing the rest of the 2.5 miles at a brisk walk.

Now the only thing I need to do is figure out what is happening with the Nike+ so I can be off and running again!!!

  Member Comments About This Blog Post:

ANNEKATHLEEN 9/26/2009 8:21PM

    This is so strange because my Nike+ is doing the same thing. It is so frustrating when I think I've ran 3 and a half miles (according to Nike+), but I come home and map it out and it's a bit less than that. Just like you, my walking is spot on, but the running is off. Did you find any way to fix yours to make it work?

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POOH_BEAR_69 9/24/2009 5:55PM

    Thanks, Momma for the encouragement. I am using the treadmill, but I like to see the miles rack up in my Nike+ too. I think after last night's 3.91 miles and it not working at all, I finally figured out what is wrong with it... I'm actually using DH's old sensor. I think the battery is dead!!! I think that may be why it wasn't quite as accurate during the race too. I'm going to keep at it, and try to find a replacement sensor to pick up... If not... eBay here I come!

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MOMMA_BEAR_69 9/24/2009 12:49PM

    Did you check the Nike+ homepage for FAQ or troubleshooting the Nike+? Don't stop your running because this gadget isn't working! Continue to do what is best for you with or without the Nike+. What is best for YOU is all that matters. If you are on your treadmill, you won't need the gadget, the treadmill with work for you. If you are running the streets, check your distance with the pedometer or a google trip map. I will have to get you a gps for runners and then you won't have to worry about it!!! No matter what method you use, remember YOU are the important factor in this equation!!
Love and hugs,
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Comment edited on: 9/24/2009 12:52:13 PM

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Thursday, September 17, 2009

It's Campbell's "Click for Cans" time again...


Let's get started and put the Steelers up to an early lead this year!!!

  Member Comments About This Blog Post:

MUGSYMOM 9/18/2009 12:18PM

    Yahoo! Another Steelers fan!! Go Black and Gold!!! emoticon

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MOMMA_BEAR_69 9/18/2009 1:14AM

    Thanks for the link. We definitely got an early start on this. Vote in...off to a great start!!
Steeler fans unite!!!

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1NICUBABE 9/18/2009 12:46AM

    Thanks for the link.

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