rates moving up fast

[Ren]

[quote=flu]If you don’t mind, let me play a guessing game, since you echo what it seems colleagues are indicating.

Are you and said wife a 0 balance people? If you do have an outstanding mortgage, do your assets cover your mortgage?[/quote]

We have a few cards that are always at or near zero, and one card we use for everything (for points) that we pay off every month. I also have an Advanta business card which always has about a 50% balance-to-limit ratio. We don’t have a mortgage.

I have also noticed the 0% transfer offers dwindle to almost none.

[jpinpb]

[quote=temeculaguy]flu, thanks for the warning, I’ll avoid american express, I hate it when they call me about “suspicious” charges. The last thing I need to hear on a Monday morning after some wild weekend is a recap of my charges. I always feel sheepish and then say “look lady, can’t your computer be programmed to realize I do this every couple of months, and what is so suspicious about $200 in jagermeister shots? If you get a charge for 20 bibles, call me, someone has my card.”[/quote]

Really LOL!

[jpinpb]

[quote=temeculaguy]flu, thanks for the warning, I’ll avoid american express, I hate it when they call me about “suspicious” charges. The last thing I need to hear on a Monday morning after some wild weekend is a recap of my charges. I always feel sheepish and then say “look lady, can’t your computer be programmed to realize I do this every couple of months, and what is so suspicious about $200 in jagermeister shots? If you get a charge for 20 bibles, call me, someone has my card.”[/quote]

Really LOL!

[jpinpb]

[quote=temeculaguy]flu, thanks for the warning, I’ll avoid american express, I hate it when they call me about “suspicious” charges. The last thing I need to hear on a Monday morning after some wild weekend is a recap of my charges. I always feel sheepish and then say “look lady, can’t your computer be programmed to realize I do this every couple of months, and what is so suspicious about $200 in jagermeister shots? If you get a charge for 20 bibles, call me, someone has my card.”[/quote]

Really LOL!

[jpinpb]

[quote=temeculaguy]flu, thanks for the warning, I’ll avoid american express, I hate it when they call me about “suspicious” charges. The last thing I need to hear on a Monday morning after some wild weekend is a recap of my charges. I always feel sheepish and then say “look lady, can’t your computer be programmed to realize I do this every couple of months, and what is so suspicious about $200 in jagermeister shots? If you get a charge for 20 bibles, call me, someone has my card.”[/quote]

Really LOL!

[jpinpb]

[quote=temeculaguy]flu, thanks for the warning, I’ll avoid american express, I hate it when they call me about “suspicious” charges. The last thing I need to hear on a Monday morning after some wild weekend is a recap of my charges. I always feel sheepish and then say “look lady, can’t your computer be programmed to realize I do this every couple of months, and what is so suspicious about $200 in jagermeister shots? If you get a charge for 20 bibles, call me, someone has my card.”[/quote]

Really LOL!

[ibjames]

I carry no balances, and my wife and I use one card sparingly to make sure we keep it, I had Citi give me a use it or lose it warning a while ago, I didn’t believe they would actually cancel me..

they did! Bastards!

Eh… less junk in my wallet

[ibjames]

I carry no balances, and my wife and I use one card sparingly to make sure we keep it, I had Citi give me a use it or lose it warning a while ago, I didn’t believe they would actually cancel me..

they did! Bastards!

Eh… less junk in my wallet

[ibjames]

I carry no balances, and my wife and I use one card sparingly to make sure we keep it, I had Citi give me a use it or lose it warning a while ago, I didn’t believe they would actually cancel me..

they did! Bastards!

Eh… less junk in my wallet

[ibjames]

I carry no balances, and my wife and I use one card sparingly to make sure we keep it, I had Citi give me a use it or lose it warning a while ago, I didn’t believe they would actually cancel me..

they did! Bastards!

Eh… less junk in my wallet

[ibjames]

I carry no balances, and my wife and I use one card sparingly to make sure we keep it, I had Citi give me a use it or lose it warning a while ago, I didn’t believe they would actually cancel me..

they did! Bastards!

Eh… less junk in my wallet

[SDEngineer]

[quote=ibjames]I carry no balances, and my wife and I use one card sparingly to make sure we keep it, I had Citi give me a use it or lose it warning a while ago, I didn’t believe they would actually cancel me..

they did! Bastards!

Eh… less junk in my wallet[/quote]

Yup, I’m in the same boat, and BofA just cancelled my largest limit card without any warning. Open up my BofA webpage to make sure I didn’t have to do a payment transfer, and the card was gone *poof*.

Really ticks me off, since I’ve been a customer of theirs for my checking/savings since they bought Security Pacific back in the 1980’s.

My personal opinion is if they don’t trust me enough to keep my credit card open after nearly 25 years as an account holder, I don’t trust them enough to keep my liquid and semi-liquid funds. Soon as my home loan funds I’ll be switching over our direct deposits to a new bank, closing out the BofA account, and cashing out CD’s as they mature.

Any suggestions for a new bank? I hear SDCCU is pretty good – any opinions on them or others?

[SDEngineer]

[quote=ibjames]I carry no balances, and my wife and I use one card sparingly to make sure we keep it, I had Citi give me a use it or lose it warning a while ago, I didn’t believe they would actually cancel me..

they did! Bastards!

Eh… less junk in my wallet[/quote]

Yup, I’m in the same boat, and BofA just cancelled my largest limit card without any warning. Open up my BofA webpage to make sure I didn’t have to do a payment transfer, and the card was gone *poof*.

Really ticks me off, since I’ve been a customer of theirs for my checking/savings since they bought Security Pacific back in the 1980’s.

My personal opinion is if they don’t trust me enough to keep my credit card open after nearly 25 years as an account holder, I don’t trust them enough to keep my liquid and semi-liquid funds. Soon as my home loan funds I’ll be switching over our direct deposits to a new bank, closing out the BofA account, and cashing out CD’s as they mature.

Any suggestions for a new bank? I hear SDCCU is pretty good – any opinions on them or others?

[SDEngineer]

[quote=ibjames]I carry no balances, and my wife and I use one card sparingly to make sure we keep it, I had Citi give me a use it or lose it warning a while ago, I didn’t believe they would actually cancel me..

they did! Bastards!

Eh… less junk in my wallet[/quote]

Yup, I’m in the same boat, and BofA just cancelled my largest limit card without any warning. Open up my BofA webpage to make sure I didn’t have to do a payment transfer, and the card was gone *poof*.

Really ticks me off, since I’ve been a customer of theirs for my checking/savings since they bought Security Pacific back in the 1980’s.

My personal opinion is if they don’t trust me enough to keep my credit card open after nearly 25 years as an account holder, I don’t trust them enough to keep my liquid and semi-liquid funds. Soon as my home loan funds I’ll be switching over our direct deposits to a new bank, closing out the BofA account, and cashing out CD’s as they mature.

Any suggestions for a new bank? I hear SDCCU is pretty good – any opinions on them or others?

[SDEngineer]

[quote=ibjames]I carry no balances, and my wife and I use one card sparingly to make sure we keep it, I had Citi give me a use it or lose it warning a while ago, I didn’t believe they would actually cancel me..

they did! Bastards!

Eh… less junk in my wallet[/quote]

Yup, I’m in the same boat, and BofA just cancelled my largest limit card without any warning. Open up my BofA webpage to make sure I didn’t have to do a payment transfer, and the card was gone *poof*.

Really ticks me off, since I’ve been a customer of theirs for my checking/savings since they bought Security Pacific back in the 1980’s.

My personal opinion is if they don’t trust me enough to keep my credit card open after nearly 25 years as an account holder, I don’t trust them enough to keep my liquid and semi-liquid funds. Soon as my home loan funds I’ll be switching over our direct deposits to a new bank, closing out the BofA account, and cashing out CD’s as they mature.

Any suggestions for a new bank? I hear SDCCU is pretty good – any opinions on them or others?

[Author]

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