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Nov 25, 2009 00:32:52 AM
FreeloaderFred
What ever happened to the 18% cap that ended when banks and card companies claimed the couldn't do business for such a small amount. They got (some have said bought) their raise and still they can't do business.
It looks to me that these companies are bent on blowing their money and then making us pay for the errors of their ill-conceived ways. Exactly what are they teaching at the Wharton School of Business nowadays? There doesn't appear to be evidence of ethics courses being taught at Harvard.
What ever happened to suffering for your own mistakes? The public isn't under any obligation to share in the suffering of these MBA's and their companies.
Fred Sheeman
of OH
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Nov 20, 2009 09:25:24 AM
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I run an alternative news site that covers govnt sponsored terror, depopulation, the nwo etc. ,
Maxx97
of AZ
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Oct 23, 2009 09:17:05 AM
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Public Enemies," which looked just awful. ,
Kelvin89
of CT
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Oct 22, 2009 11:48:28 AM
Capital One loan sharks, breaking legs
So where was their stimulous checks..that we paid out.???
They just raised me to 22.7%. Ive been with them for years.
I have been tring to pay them off and I guess they didnt like that so now instead of $50 for finance on the same amount owed it is now $95 OVER NIGHT!
That is really going to help me thru this recession. NOW they will ruin my credit,how great is that. Im not going to sit here month after moneht and throw them $100 big ones.
I can not believe how brave the loan sharks are getting coming out from me behind corporation cover!!
barbara leighton
of WA
@
Oct 09, 2009 15:38:10 PM
Response to SHenderson
I don't have champagne taste on a beer budget. I live in a small condo with a low mortgage, and I drive my cars for at least 8 years. I live very frugally.
I have a small business that is getting beaten down in this economy. We get no assistance or bailouts from the government like the automakers. I have had my Capital One card for over 7 years and I always paid off the balance, rarely even used it. But now if I don't carry a balance I will lose my business. And if I lose my business - my employees will lose their jobs, the unemployment rate will just go up. Where will we get jobs? How does that help the economy?
Capital One explained the rate increase to me - supply and demand. Basically, they are raising the rate because they can.
When they want you to take a balance transfer offer, they send you a notice that says "Balance Transfer 3.9% for 6 months" - very clear. And if you don't respond by the deadline, they are still willing to make that balance transfer for you. When they want to raise your rate, it's a tiny little pamphlet with tiny little print in very difficult to understand legal terminology. There is no letter that says "We are raising your interest rate to 17% on July 1st". And if you miss the deadline, they will not do anything for you.
They do the notifications like that with the hope that people won't notice and won't respond. Then they will get more money out of you, unless you end up defaulting. I guess it's a risk they are willing to take.
It's a sad state our country is in - we seem to have lost our compassion. You assume that people who carry a balance are irresponsible free-loaders. And the banks will take advantage where ever they can. I'm glad your life is so easy, but it's not that way for everyone.
Disappointed in Capital One
of IL
@
Sep 14, 2009 15:41:00 PM
Rate Increase on Capital One.
I got the rate increase also but it doesn't affect me. My balance is paid in full each month. I am really sick and tired of hearing you people whine and complain about the credit card companies. You have set yourself up for their less than ethical business practices. You spend money you don’t have and wonder why you are paying so much more than the actual price tag of items you purchase. The current consumer debt in this country is 2.6 Trillion. If people in this country would only buy what they can afford to pay for the financial system breakdown would never have occurred. You are a fool if you believe the banks have all the power. The power they wield has been handed over by the consumer at breakneck speed since 1998. The predatory loans were only predatory because the people applying for credit were stupid sheep that had no business buying homes or cars they could not afford. In the end the TARP tab is being paid by those consumers who don’t spend more than they make. Imagine for a minute that you only just purchased your first 2 new cars after 15 years of hard work and saving (paying cash for these 2 purchases). You watch while all the people around you purchase a new car every three years and trade up mortgages every 7years. At the same time you are still in your starter home but the equity you have is over 70%. Does this seem like a dream? It isn’t! Any one can live within their means if they suck it up and learn to manage their money. I have no sympathy for anyone who spends more than they make. You sure weren't complaining when you were spending like there is no tomorrow for all the crap you could not afford. It all amounts to too many champaign tastes with beer budgets.
SHenderson
of AZ
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Jul 05, 2009 10:59:40 AM
Same situation
I too have had the increase from 5 to 15% on my last statement.
I was told that there was an "opt-out" letter sent in the early part of this year to all card holders. It gave the option to freeze your account from further purchases and maintain the original interest rate. The window for this option closed in April...and I was told that there is nothing that can be done.
Keep calling them and asking for rate reviews. I total don't get it!
Jerome
of CA
@
Jun 23, 2009 20:28:26 PM
Capital One - no longer in my wallet!
I too am completely in shock by the lack of disregard and disrespect I was given by Capital One after they increased my rate from 4.8% to 15.9%. I am a perfect customer of about 3 years who uses my card on a daily basis and has never been late on a payment. I typically would pay off my (usually very high) balance each month. Note that banks (credit card issuers) make lots of money off of us credit card users by charging their merchants a percentage of our usage. So, them saying they make no money off of us "convenience" card users is an outright lie. I feel bad now for the small business owners who had to pay fees to Capital One for my usage.
When I called general customer service they explained that due to the economy they had to make a business decision that will impact millions of customers and that there was absolutely nothing he or anyone could do and since it was after 11PM CST I would have to call back tomorrow. The people who have the authority to reduce the rate are no longer available for the day was his next response. I called back the next day and talked to one of those so called Senior Supervisors at a different number that I was given by customer service the night before and I once again described my dissatisfaction in a calm voice. After being talked down to and him saying if I paid my balance each month I wouldn't have to worry about the rate anyway and that I should take my $10,000 balance and transfer it to another card that offers a great balance transfer rate. I asked what my incentive would be to stay as a Capital One customer and he had nothing.
My Discover Card issues cash back (I have $150 so far). My Chase card offers flight miles (I have around 30,000) and I get points for gifts with American Express (over 30,000) and Citibank (about 10,000). I said my incentive to use Capital One was for the lower interest rate (I had 4.8% or lower the entire time I was a customer) and with that now up to 15.9% I have no reason to stay. So, with nothing to offer me and him telling me he was "the top of the food chain in the Call Center" and that there was nothing he could do and nothing anyone would EVER be able to do, HE decided my time was up on the call. He then told me that there were other calls in the queue and that he had to go and hung up on ME. I am amazed that this company would let go such a great customer with an even greater future potential by an uncaring, disrespectful jerk like that. I had to actually call back to close my account and that is exactly what I did. I transferred my $10,000 balance to Bank of America at 0% for 6 months with no transaction fee.
I understand the banks are suffering too in this tough economy, but so dearly are the consumers. So, instead of sending a passionate personalized letter explaining the need to raise interest rates, they send an impersonal and almost threatening in language change of account notification brochure. Did Capital One ever hear about targeted and segmented communications? Do they even know how to communicate properly to their customers when making such impactful changes to their customers accounts, especially their best customers? although I agree that no customer, no matter how delinquent they are, deserve this type of treatment, the "good and best" customers deserve more. The power of personalization goes a long way and if they would have planned their communication strategy about this with a legal sized letter with a thoughtful explanation and understanding of the hard impact this will have on many, the severity of these changes wouldn't seem as bad and we wouldn't have been so offended. They treat their consumers who are also struggling in these hard times by rewarding them with disrespect and a rate increase of 3X higher. Unbelievable!
This was a show stopper for me and my husband. I have the power of word of mouth and so do you, so don't ever bank with Capital One ever in this lifetime and make sure you let everyone and anyone know and they will follow suit. Capital One's logo is "What's In Your Wallet? Well, Capital One, it's not your card!
Kimberly Palmer, senior editor for U.S. News & World Report, writes about how to save money, avoid scams, manage debt, and be a savvy shopper. Send your personal finance questions to her for expert money advice.
xanax side effects withdrawal of @ Nov 25, 2009 13:37:03 PM
buy xanax online xanax of @ Nov 25, 2009 00:32:52 AM
Fred Sheeman of OH @ Nov 20, 2009 09:25:24 AM
Maxx97 of AZ @ Oct 23, 2009 09:17:05 AM
Kelvin89 of CT @ Oct 22, 2009 11:48:28 AM
barbara leighton of WA @ Oct 09, 2009 15:38:10 PM
Disappointed in Capital One of IL @ Sep 14, 2009 15:41:00 PM
SHenderson of AZ @ Jul 05, 2009 10:59:40 AM
Jerome of CA @ Jun 23, 2009 20:28:26 PM
Shelley of IL @ Jun 18, 2009 02:22:49 AM
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