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

[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.

[drboom]

[quote=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.[/quote]

Me too. $495/year, but you get concierge service! And a carbon fiber card that is “sure to get you noticed”! And, uh … did I mention the carbon fiber card? I love getting noticed!

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

Same here, but I think we’re in the minority. Everyone my wife and I talked to when we recently bought our house seemed to think it was odd–almost subversive, really–that we had no debt, FICO scores approaching 800, and 20% down that came from actual savings. It’s like we were being un-American or something.

[drboom]

[quote=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.[/quote]

Me too. $495/year, but you get concierge service! And a carbon fiber card that is “sure to get you noticed”! And, uh … did I mention the carbon fiber card? I love getting noticed!

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

Same here, but I think we’re in the minority. Everyone my wife and I talked to when we recently bought our house seemed to think it was odd–almost subversive, really–that we had no debt, FICO scores approaching 800, and 20% down that came from actual savings. It’s like we were being un-American or something.

[drboom]

[quote=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.[/quote]

Me too. $495/year, but you get concierge service! And a carbon fiber card that is “sure to get you noticed”! And, uh … did I mention the carbon fiber card? I love getting noticed!

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

Same here, but I think we’re in the minority. Everyone my wife and I talked to when we recently bought our house seemed to think it was odd–almost subversive, really–that we had no debt, FICO scores approaching 800, and 20% down that came from actual savings. It’s like we were being un-American or something.

[drboom]

[quote=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.[/quote]

Me too. $495/year, but you get concierge service! And a carbon fiber card that is “sure to get you noticed”! And, uh … did I mention the carbon fiber card? I love getting noticed!

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

Same here, but I think we’re in the minority. Everyone my wife and I talked to when we recently bought our house seemed to think it was odd–almost subversive, really–that we had no debt, FICO scores approaching 800, and 20% down that came from actual savings. It’s like we were being un-American or something.

[drboom]

[quote=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.[/quote]

Me too. $495/year, but you get concierge service! And a carbon fiber card that is “sure to get you noticed”! And, uh … did I mention the carbon fiber card? I love getting noticed!

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

Same here, but I think we’re in the minority. Everyone my wife and I talked to when we recently bought our house seemed to think it was odd–almost subversive, really–that we had no debt, FICO scores approaching 800, and 20% down that came from actual savings. It’s like we were being un-American or something.

[Author]

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