Tight credit? Nope. Citibank just raised our CC limit.

[Arraya]

A few months ago Meredith Whitney said that banks were going to pull a total of 2.5 trillion consumer and business credit lines by the end of 2010. At they time a little over a trillion had been pulled. I believe this was March.

[mixxalot]

Try getting a new mortgage from your bank lately? Nope, they want minimum 15-20% DOWN for conventional 30 year fixed rate mortgage. Real estate prices in San Diego have not dropped enough for most folks to put down 100k on a new home.

[mixxalot]

Try getting a new mortgage from your bank lately? Nope, they want minimum 15-20% DOWN for conventional 30 year fixed rate mortgage. Real estate prices in San Diego have not dropped enough for most folks to put down 100k on a new home.

[mixxalot]

Try getting a new mortgage from your bank lately? Nope, they want minimum 15-20% DOWN for conventional 30 year fixed rate mortgage. Real estate prices in San Diego have not dropped enough for most folks to put down 100k on a new home.

[mixxalot]

Try getting a new mortgage from your bank lately? Nope, they want minimum 15-20% DOWN for conventional 30 year fixed rate mortgage. Real estate prices in San Diego have not dropped enough for most folks to put down 100k on a new home.

[mixxalot]

Try getting a new mortgage from your bank lately? Nope, they want minimum 15-20% DOWN for conventional 30 year fixed rate mortgage. Real estate prices in San Diego have not dropped enough for most folks to put down 100k on a new home.

[outtamojo]

US Bank just gave me a zero percent credit card offer. Also got offer for one of those “Black Cards”
which I promptly shredded when I saw the astronomical annual fee.

Btw, what’s wrong with banks asking 20% down? I don’t consider that tight in my book.

[outtamojo]

US Bank just gave me a zero percent credit card offer. Also got offer for one of those “Black Cards”
which I promptly shredded when I saw the astronomical annual fee.

Btw, what’s wrong with banks asking 20% down? I don’t consider that tight in my book.

[outtamojo]

US Bank just gave me a zero percent credit card offer. Also got offer for one of those “Black Cards”
which I promptly shredded when I saw the astronomical annual fee.

Btw, what’s wrong with banks asking 20% down? I don’t consider that tight in my book.

[outtamojo]

US Bank just gave me a zero percent credit card offer. Also got offer for one of those “Black Cards”
which I promptly shredded when I saw the astronomical annual fee.

Btw, what’s wrong with banks asking 20% down? I don’t consider that tight in my book.

[outtamojo]

US Bank just gave me a zero percent credit card offer. Also got offer for one of those “Black Cards”
which I promptly shredded when I saw the astronomical annual fee.

Btw, what’s wrong with banks asking 20% down? I don’t consider that tight in my book.

[DWCAP]

I got the ‘we are raising your rate unless you opt out’ letter too. I dont really care, cause I have never missed a payment and never for a second carried a balance. I am supprised I didnt get a letter saying “if you keep this s&!t up, we are canceling your card.” I have no fees, and obviusly no interst payments, but get a rebate every month that cuts my payment by a few bucks. The way I see it, they are paying me to use their card to collect the merchant fees I generate. They have gotta hate me.

I dont really understand why people care so much about what the theoritical interest rates are. Pay your bills and it is 0%, plus some rebate credits.

Strangly, I guess this is one of the few cases where the irresponsible subsidize the responsible.

[DWCAP]

I got the ‘we are raising your rate unless you opt out’ letter too. I dont really care, cause I have never missed a payment and never for a second carried a balance. I am supprised I didnt get a letter saying “if you keep this s&!t up, we are canceling your card.” I have no fees, and obviusly no interst payments, but get a rebate every month that cuts my payment by a few bucks. The way I see it, they are paying me to use their card to collect the merchant fees I generate. They have gotta hate me.

I dont really understand why people care so much about what the theoritical interest rates are. Pay your bills and it is 0%, plus some rebate credits.

Strangly, I guess this is one of the few cases where the irresponsible subsidize the responsible.

[DWCAP]

I got the ‘we are raising your rate unless you opt out’ letter too. I dont really care, cause I have never missed a payment and never for a second carried a balance. I am supprised I didnt get a letter saying “if you keep this s&!t up, we are canceling your card.” I have no fees, and obviusly no interst payments, but get a rebate every month that cuts my payment by a few bucks. The way I see it, they are paying me to use their card to collect the merchant fees I generate. They have gotta hate me.

I dont really understand why people care so much about what the theoritical interest rates are. Pay your bills and it is 0%, plus some rebate credits.

Strangly, I guess this is one of the few cases where the irresponsible subsidize the responsible.

[DWCAP]

I got the ‘we are raising your rate unless you opt out’ letter too. I dont really care, cause I have never missed a payment and never for a second carried a balance. I am supprised I didnt get a letter saying “if you keep this s&!t up, we are canceling your card.” I have no fees, and obviusly no interst payments, but get a rebate every month that cuts my payment by a few bucks. The way I see it, they are paying me to use their card to collect the merchant fees I generate. They have gotta hate me.

I dont really understand why people care so much about what the theoritical interest rates are. Pay your bills and it is 0%, plus some rebate credits.

Strangly, I guess this is one of the few cases where the irresponsible subsidize the responsible.

[Author]

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