ATG
Banned
+5,233|6819|Global Command
Just out of curiosity I opened a credit card statement today. A few months back it became a choice between the house and the cards, so you know what I chose to pay.
APR 31.99% is the current interest rate they are charging.
I took heavy felt marker and wrote on the statement;

You are a bank that received TARP funds.
You demand 31.99% interest.
You can go to hell, I will NEVER repay you now.

These card companies and the politicians that facilitate their criminal behavior need to be all doused with gasoline and roasted alive. My cards have doubled the rates I signed up with.

I encourage anyone being charged these rates with damaged credit to do this; swear them off for 6-7 years and tell them all to go fuck themselves. STOP  PAYING. There isn't jackshit they can do besides damage your credit, which doesn't matter because they aren't hardly giving credit to anyone anyway. Don't waste your effort paying the cunts when seventy cents of every dollar you send is confiscated in interest and not applied to the balance you owe.

Until the banks pulls their miserable heads out of their asses we need to shut down the countries use of credit.

Every time you swipe that card the dogs make more money. Atm fees can be in the hundreds of dollars per month.


China will soon stop lending money to the U.S.
They are not stupid, they can see our elected geniuses trying to trigger inflation so they have to pay back less of the money they have borrowed.
Consequently, with hyperinflation on the horizon people should do everything possible to stay in houses they have bought. The value of houses goes up with inflation.

FUCK THE BANKS.
unnamednewbie13
Moderator
+2,057|7061|PNW

I got into credit card nonsense with Target National Bank about year ago and (within months) pulled out while the going was good. I was tired of being charged out the ass for snuck-in fines in exchange for the occasional Red Card deal.
Diesel_dyk
Object in mirror will feel larger than it appears
+178|6284|Truthistan
OMG 31.99%
I think that would be enough to make me become Muslim and cry Sharia law on their asses.

A friend told me about a "scam" that rich people play with credit cards where they get a new card, only use that one card until its maxed out, never make a payment, never answer any letters from the credit card company, never engage them on the phone, nothing. and guess what happens, absolutely nothing. After 7 years its like nothing ever happened.

But in the mean time they were always getting more and more credit cards. I don't doubt the person that told me but then again I'm too chicken to try it myself. Take the info for what its worth, probably not much. I know where I live they can't take your house so your better off paying on that and telling the credit card companies to F off.
Flecco
iPod is broken.
+1,048|6954|NT, like Mick Dundee

A few years ago my Dad started his credit card experiment.


He can now buy a house with the amount of instant credit he has access to now. Admittedly it would be a small house or apartment in a crap town, but still can get over 100k in 'loans' instantly.







Fucking. Ridiculous. If I had my way credit cards would be gone. Stupid idea. We were fine without them 30 years ago, lets go back to that situation. They are a trap. For online transactions we can use debit cards but credit cards are a legal scam.

Last edited by Flecco (2009-04-25 16:46:41)

Whoa... Can't believe these forums are still kicking.
FatherTed
xD
+3,936|6790|so randum
Credit is a way of creating money that doesn't exist.
Small hourglass island
Always raining and foggy
Use an umbrella
DrunkFace
Germans did 911
+427|6971|Disaster Free Zone
You're a fucking tool. I have never paid interest ever on any of my credit cards. How about you stop buying shit you can't afford or if you have to go into debt get a mortgage or personal loan with much lower interest rates.

Every time you're irresponsible with your money it makes it tougher for everyone who is, so.
FUCK YOU.
Macbeth
Banned
+2,444|5875

DrunkFace wrote:

You're a fucking tool. I have never paid interest ever on any of my credit cards. How about you stop buying shit you can't afford or if you have to go into debt get a mortgage or personal loan with much lower interest rates.

Every time you're irresponsible with your money it makes it tougher for everyone who is, so.
FUCK YOU.
He's only not paying his credit cards because he has to choose between that or his house. He is only losing the house because his revenue stream evaporated when people stopped building.
DrunkFace
Germans did 911
+427|6971|Disaster Free Zone

Macbeth wrote:

DrunkFace wrote:

You're a fucking tool. I have never paid interest ever on any of my credit cards. How about you stop buying shit you can't afford or if you have to go into debt get a mortgage or personal loan with much lower interest rates.

Every time you're irresponsible with your money it makes it tougher for everyone who is, so.
FUCK YOU.
He's only not paying his credit cards because he has to choose between that or his house. He is only losing the house because his revenue stream evaporated when people stopped building.
Well well, silly me... that makes it perfectly ok to steal the banks money and then blame it on the banks.
ATG
Banned
+5,233|6819|Global Command

DrunkFace wrote:

Macbeth wrote:

DrunkFace wrote:

You're a fucking tool. I have never paid interest ever on any of my credit cards. How about you stop buying shit you can't afford or if you have to go into debt get a mortgage or personal loan with much lower interest rates.

Every time you're irresponsible with your money it makes it tougher for everyone who is, so.
FUCK YOU.
He's only not paying his credit cards because he has to choose between that or his house. He is only losing the house because his revenue stream evaporated when people stopped building.
Well well, silly me... that makes it perfectly ok to steal the banks money and then blame it on the banks.
That's okay.

Maybe learn some manners after your vacation.
ATG
Banned
+5,233|6819|Global Command
Oh, I will not go running to another mod if you are going to blatantly get in my face with those kind of comments. I will ban you.
Or you. Or you.
Say what you like, but watch how the fuck you say it.
Flecco
iPod is broken.
+1,048|6954|NT, like Mick Dundee

Whoa... Can't believe these forums are still kicking.
Burwhale
Save the BlobFish!
+136|6512|Brisneyland

ATG wrote:

China will soon stop lending money to the U.S.
True story. One of the economics sites I check says that China will go from lending the US money, to buying up commodities big time. Mainly because they can stockpile the materials and the will need them for infrastructure.

ATG wrote:

I encourage anyone being charged these rates with damaged credit to do this; swear them off for 6-7 years and tell them all to go fuck themselves. STOP  PAYING. There isn't jackshit they can do besides damage your credit, which doesn't matter because they aren't hardly giving credit to anyone anyway. Don't waste your effort paying the cunts when seventy cents of every dollar you send is confiscated in interest and not applied to the balance you owe.
Although I am not in your position ATG , I sorta disagree with you on this one  ( to a point). If possible pay off the card first, then cut it up and tell the banks to stick it. I really hate credit cards too ( thats why I dont pay interest on mine), but not paying them off can get you in big trouble.
AussieReaper
( ͡° ͜ʖ ͡°)
+5,761|6442|what

ATG wrote:

Say what you like, but watch how the fuck you say it.
Irony.
https://i.imgur.com/maVpUMN.png
~FuzZz~
.yag era uoy fi siht deaR
+422|6612|Orrstrayleea
Enjoy your "vacation" as well now, reaps

But agree with OP, which is why i'll never have a credit card.
ghettoperson
Member
+1,943|6939

Credit cards are for morons. I have one, but it's only used for things where it's not possible to use debit cards. My card is also set up to direct debit my account every month, so I never have any problems with bills and payments.
Buckles
Cheeky Keen
+329|6846|Kent, UK
You borrow money on a credit card and don't pay it back quick enough, you pay interest on it.
If you don't want to pay interest then pay the cards off monthly or don't fucking use them. Hardly rocket science.
If you're in a situation where you've been put out of a job or lost income, you should have had income insurance.

Anyone who over-borrows and then complains because they can't pay it back has NO right to complain whatsoever.
Flecco
iPod is broken.
+1,048|6954|NT, like Mick Dundee

Buckles wrote:

You borrow money on a credit card and don't pay it back quick enough, you pay interest on it.
If you don't want to pay interest then pay the cards off monthly or don't fucking use them. Hardly rocket science.
If you're in a situation where you've been put out of a job or lost income, you should have had income insurance.

Anyone who over-borrows and then complains because they can't pay it back has NO right to complain whatsoever.
Yes but everybody wants you to use them to buy shit online now. I know there are choices, which is why I don't use one for online purchases but the delays for bank transfers are annoying.
Whoa... Can't believe these forums are still kicking.
Buckles
Cheeky Keen
+329|6846|Kent, UK

Flecco wrote:

Buckles wrote:

You borrow money on a credit card and don't pay it back quick enough, you pay interest on it.
If you don't want to pay interest then pay the cards off monthly or don't fucking use them. Hardly rocket science.
If you're in a situation where you've been put out of a job or lost income, you should have had income insurance.

Anyone who over-borrows and then complains because they can't pay it back has NO right to complain whatsoever.
Yes but everybody wants you to use them to buy shit online now. I know there are choices, which is why I don't use one for online purchases but the delays for bank transfers are annoying.
It's not difficult to use your credit card to pay for something online and then pay off that transaction when your statement comes through, is it?
Lai
Member
+186|6441

unnamednewbie13 wrote:

I got into credit card nonsense with Target National Bank about year ago and (within months) pulled out while the going was good. I was tired of being charged out the ass for snuck-in fines in exchange for the occasional Red Card deal.
I got a credit card about a year and a half ago with the Societe Generale. The account is directly linked to my regular account (not my savings account), so as long as I got money on my regular account, credit debts will automatically be deducted from it with as a result that, unless I'm broke I pay 0.0% interest over my credit card payments.
Flecco
iPod is broken.
+1,048|6954|NT, like Mick Dundee

Buckles wrote:

Flecco wrote:

Buckles wrote:

You borrow money on a credit card and don't pay it back quick enough, you pay interest on it.
If you don't want to pay interest then pay the cards off monthly or don't fucking use them. Hardly rocket science.
If you're in a situation where you've been put out of a job or lost income, you should have had income insurance.

Anyone who over-borrows and then complains because they can't pay it back has NO right to complain whatsoever.
Yes but everybody wants you to use them to buy shit online now. I know there are choices, which is why I don't use one for online purchases but the delays for bank transfers are annoying.
It's not difficult to use your credit card to pay for something online and then pay off that transaction when your statement comes through, is it?
I get charged $2.50 for touching the card. Prefer not to use it if possible as I've got better things to spend my money on than that.
Whoa... Can't believe these forums are still kicking.
Buckles
Cheeky Keen
+329|6846|Kent, UK

Flecco wrote:

Buckles wrote:

Flecco wrote:


Yes but everybody wants you to use them to buy shit online now. I know there are choices, which is why I don't use one for online purchases but the delays for bank transfers are annoying.
It's not difficult to use your credit card to pay for something online and then pay off that transaction when your statement comes through, is it?
I get charged $2.50 for touching the card. Prefer not to use it if possible as I've got better things to spend my money on than that.
Wow, that IS a scam!!
Turquoise
O Canada
+1,596|6695|North Carolina
As I've said before, we should nationalize banking.  It wouldn't hurt to nationalize credit cards either.
Flecco
iPod is broken.
+1,048|6954|NT, like Mick Dundee

Buckles wrote:

Flecco wrote:

Buckles wrote:


It's not difficult to use your credit card to pay for something online and then pay off that transaction when your statement comes through, is it?
I get charged $2.50 for touching the card. Prefer not to use it if possible as I've got better things to spend my money on than that.
Wow, that IS a scam!!
Yeah...


I'd cancel it but if I ever need quick cash it has a fairly decent cap on it.
Whoa... Can't believe these forums are still kicking.
Lotta_Drool
Spit
+350|6473|Ireland
I think I still have about 17-30k in credit card money available.  the problem is that I can not just access it all without them flagging it and shuting my limits down.  If I could put 30k straight to my Mortgage and on the credit card I would and then just write off the card with a big fuck you to the banks for fucking up the economy and my life ( I make $15K less a year now because banks/government fucked up the economy ). 

These fuckers are parasites.  They bought our government and fucked up the housing market.  For this they were punished with bailout money provided by the very people they ass raped.  I will seriously cheer on the people that go after the fuckers sitting on the boards of the big banks and the Federal reserver.  Some people just deserve to die.
ATG
Banned
+5,233|6819|Global Command

Lotta_Drool wrote:

These fuckers are parasites.  They bought our government and fucked up the housing market.  For this they were punished with bailout money provided by the very people they ass raped.  I will seriously cheer on the people that go after the fuckers sitting on the boards of the big banks and the Federal reserver.  Some people just deserve to die.
As always, Spit is borderline genius.

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