Risky Business

Maxine Waters: Banks Screwing Credit Card Users While Rolling In Bailout Money

By Matthew Bandyk

Posted: February 11, 2009

Like the heads of the Detroit auto companies did a few months ago, the CEOs of big banks including JP Morgan, Goldman, Bank of America, and Wells Fargo got a tongue-lashing from a House committee today. As the CEOs testified before the House Financial Services Committee this morning, Rep. Maxine Waters (D-CA) delivered probably the most scathing remarks, opening with:

"To all the captains of the universe sitting here before all of us, all of my life I have been in disagreement with the banking industry."

As the Washington Post reports, Waters then accused the CEOs of raising interest rates on credit cardholders, and suggested that this is inconsistent with their simultaneous acceptance of billions in bailout money from American taxpayers. Bank of America executive Ken Lewis responded that his bank raised interest rates on only 9 percent of its customers in 2008.

It's no surprise that Waters is against credit card issuers increasing rates on consumers. She is one of the original sponsors of the Credit Cardholder's Bill of Rights, a piece of legislation that would prevent issuers from raising rates for "arbitrary" reasons. For more on this proposed legislation (the House passed the bill last year, but the Senate has not), click here.

Citi Bank Sucks

I have had a CitiBank credit card since 2000. Never late always paid more than the minimum. Just got a letter raising the rate from 17.99% to 29.99%. If I opt out, my credit rating (now 720) will go down. If I stay in I get to pay excessive rates for other peoples mistakes. And Citibank could not car less. Screw the good customers to pay for their mistakes of giving credit cards to people who never intended to pay them back. No more bailout money for banks unless they are willing to pay 29.99% in interest on that money. If they fail too bad.

ceb of PA @ Oct 20, 2009 08:46:30 AM

credit cards/prime rate plus

I HAVE 3 CREDIT CARDS AND HAVE NOT MISUSED THEM. NOW CHASE, ETC SAYS I HAVE TO PAY MY BASE PERCENTAGE FORMERLY CHARGED AND ALSO THE PRIME RATE. (GOES FROM 9.9% TO 13.9%.....THIS STINKS. HAVE NEVER GONE OVER 1/3 OF THE AMOUNT THE CARD IS GOOD FOR AND HAVE ALWAYS PAID DOUBLE THE AMOUNT REQUESTED BE PAID "ON TIME". HAVE CLOSED ONE ACCOUNT BUT IT STILL MUST BE PAID OFF. THE OTHER TWO I HAVE TO LEAVE OPEN FOR MEDICAL REASONS. (MEDICATION) WHERE IS MY BAILOUT MR OBAMA? IF THE DOUGHNUT HOLE IN MEDICARE WOULD DISAPPEAR, MY PROBLEMS WOULD LESSEN CONSIDERABLY. COME THIS AUGUST I MAY NOT HAVE THIS PROBLEM CAUSE WILL NOT BE ABLE TO AFFORD MY MEDS. HENCE BYE BYE GRAMS. THANKS FOR LISTENING BUT I BET THERE ARE THOUSANDS OF SENIORS IN THE SAME BOAT.

GREATGRAM JEAN of IL @ Mar 23, 2009 15:29:42 PM

Obama rating will drop like a rock I believe

AS obama continues down the same path as president Bush as it seems by helping the banks and allowing them to raise interest rates to 26 to 29 percent and they all or racing to do it seems like before the new law deadline. Every day people I talk to know who liked Obama at first or already becoming distraught and unhappy with him and they think that the seven dollars a week we will get is a slap in the face especially if one out of every 4 americans have serious credit card debt and the banks squander all of this interest money as well as all this stimulus money why doesn't Obama fix this before the economy fails this would open spending money again instead of praying for the stock market to fix the economy even if this happens which seems very unlikely only consumer spending will fix the economy and brink jobs back banks taking everybodys money and putting it in there pockets will not help why not make a maxim credit card rate of 15 to 19 percent which would be more than the interest than most people started out with instead of having america getting more angry with the Obama and democrats everyday trust me it is happening

Larry Hill of IN @ Mar 14, 2009 14:59:44 PM

Add Your Thoughts
About You

advertisement

Risky Business

Risky Business

Matt Bandyk, a reporter for U.S. News, explores capitalism from where it all begins, with the entrepreneur, whose risk taking and experimentation provide the roots from which the rest of the economy grows. As much courage as it takes to create one's own business, even the entrepreneur needs some help, and this blog will look at news, trends, and practical advice for starting and running a small business.

advertisement

advertisement

Subscribe

U.S. News Digital Weekly

A weekly insider's guide to politics and policy — in a multimedia, digital format. 52 issues for $19.95!

U.S. News & World Report

6 months of U.S. News & World Report's print edition for only $15. Save up to 67% off the cover price!