Ok, this is the post that will tell credit card users to WATCH THE FUCK OUT! i used to have a Capitol 1 card. $200 and 19.99% interest. Not much to speak of but the only problem was their people were pricks. So i picked up a Providian card, $2000, 12.99% for the first 6 months going to 19.99% Fixed. Well at least thats what i thought. For the past year and a half, my wife and i have been paying $120-150/month on a $68/month payment to get ourselves back out. Turns out we are actually falling BEHIND! so after finally realizing the pattern *i must be a fool for not looking sooner* i called in after looking at my online account. So this chick starts telling me that i am not paying on the princaple. So i flip out saying we are sending twice as much per month then you ask for what do you mean? She returns your intrest Rate is above that. *enter dead silence drop jaw sound here* well what is my interest rate at? 29.99%. WTF!?!? i signed on at a 19.99% fixed rate, why did you jack me? i am sorry sir, our computer says that you are on a variable rate not a fixed. i told her I AM ON A 19.99% fixed! no sir you are not, you are on a variable, and our computers are never wrong!. *enter a long line of explisitives here* I finally told her that i will be closing out my account soon, and i will inform everyone in my area of the shit your pulling. and she says, sir is there any way i can help? and i scream sure raise my rates another 10% no thanks get lost, your service sucks and i have no wish to ever do business with you again. and then i hung up. I am getting a new card, better limit, better rewards through my bank *personal friends with our bank rep, so i will be doing MUCH better, wish i had done this in the begining* and do a balance transfer to the new card *prolly at 16.99%*


Moral of the story:

NEVER TRUST YOUR CREDIT COMPANY, AND ALWAYS ASK QUESTION WHILE YOU KEEP AN EYE ON YOUR ACCOUNT. CHECK OFTEN!