Credit card companies can suck it.
And now, we have this:
USA Today: Latest bank fee is for paying off credit card on time every month.
Fuckers.
Over the years we've had our two current cards, each from a different company (one for "normal, everyday stuff," and the other for tax-deductable expenses), one company in particular has tried their damnedest to trip us up. They slip in weird fees. They change our payment due date to earlier in the month and then hold the check we already sent until it's "past due." They split our payment schedule to twice a month in an attempt to trigger interest and fees in the hopes we'll miss the earlier payment. Every single time, Michi catches them and we call the company, arguing the fee off our account. A few times, I've canceled the card outright on the phone (You can do that when you carry no balance. Nootch.), just to wait five or ten minutes until somebody higher in the food chain calls back, apologizing for the "misunderstanding" or "inconvenience" and groveling to retain our business.
So, we've already discussed it and decided that if our current company tries this new fee, we're kicking them to the curb. We'll either use our credit union's debit card as a credit card and continue to pay the balance that way, or just go straight debit. Another alternative is to get a credit card through them. We've been customers of theirs for sixteen years, and for good reason.
I know, I know: "Closing a credit card account can be bad for your credit score."
Whatever.
It's not like having a credit card is an exclusive fraternity. Anybody with a pulse can have one. The banks, with their rather short memories, seem to have forgotten that one of the big reasons our economy's in the shitter is because they insisted on extending loans and credit to people who possessed no realistic ability to pay back what they'd been given.
As for us? We've bought a house. We've bought cars. We've had a home equity line of credit so we could do some home remodelling. We have IRAs and money market accounts and 401ks. We've had store credit, and we've had credit cards. Our credit's plenty good, bank wonks, and it'll survive our decision not to let you ass-hammer us simply because we've managed to play by the rules all these years.
Sit on a broken beer bottle and spin, you pricks.
Anybody else got their own credit card story/stories? Let's have 'em!
