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California-Inland Empire

My credit card

So I got a notice the other day stating the APR on one of my credit cards would be raised to 17.99 next month!  WTF??  Hell no!!  It wasn't because I was late or anything.  It was just because.  Damn them people.  Anyway, there was an option to opt out so I took that.  My APR will remain what it is now and the card will be closed automatically once it's paid in full.  Not a problem at all.  That was my plan anyway. 

Another one of my cards lowered the credit balance by over $1000.  And another doubled the APR but I had such a low APR on that one that doubling it didnt make the interest skyrocket.  I only really have one card with a high balance and I hope that one doesn't double the APR.  I'm hoping to pay that one down with some of our tax return.  Anyway, I kinda went on and on there.  Oops.
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Re: My credit card

  • edited December 2011
    Thats crazy! I hope my cards dont do that, though I wouldnt be surprised. I have a card that was just taken over by Chase so I'm sure they will raise the rate because it was crazy low before. Chase is not my friend lately. I used to have a 4% savings and then Chase bought them out and dropped it to .75% which is such a joke and they now charge a monthly fee which I didnt have before. I ended up closing it and moving to another account!
  • sv4338sv4338 member
    500 Comments
    edited December 2011
    I have 2 cards at 29% Yell the balance isnt high one is $800 and the other is $500 but still this is crap!
  • edited December 2011
    Syl, pay those biotches off!

    One of my cards is with Chase as well.  So far they only lowered my limit.  You may be safe.
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  • edited December 2011

    My card company did the same thing. I called to see if they could go somewhere in between my old apr and my new one and they said they wouldn't do it. So, I found a credit union that had a low fixed rate that would never change and transferred the balance. Eff that.


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  • mrs.payne2010mrs.payne2010 member
    100 Comments
    edited December 2011
    just a little info...state farm bank has cards that give you 0% balance transfers for up to 9 months and then after that the interest is only 9%.
  • edited December 2011
    Oh wow!  That's awesome!  So how do I sign up?  My ouse and one of my car's is through St. Farm.
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    CRAFTY ME

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  • edited December 2011
    I found the rates on State Farms website but none of the crads available say 0% balance transferes and 9% APR....  Cry
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  • mrs.payne2010mrs.payne2010 member
    100 Comments
    edited December 2011
    kasi-
    they must have changed like over night because i just did one for one of our customers last week and it was 0%. it was the good neighbor card though. i guess its now 2.9% on transfers and 11.99% interest on purchases. sorry.
  • sdkissezsdkissez member
    100 Comments
    edited December 2011
    Just so you girls know, come January pretty much all credit cards are raising their APR's.  It's ridonkulous! 

    I just bitched out Discover a couple of months ago for taking my interest rate from 6% to 21%. The snooty booty lady on the phone told me that I obviously didn't have money or I wouldn't have "borrowed" it to begin with.  Then she went on to tell me that I probably didn't have a well-paying job to pay the balance off.  She's lucky I couldn't crawl through the phone to knock her telemarketer booty out.  Mind you, I was 9 months pregnant and in pain.  Knocking her out would've made my day.  I told a little fib.  I told her that I happened to be a lawyer and that she was mad because she had be a telemarketer, so she was obviously the poor one.  So yeah, I just pulled money from my savings and paid the card off.....f her!
  • edited December 2011
    haha Rebecca!  I'm gonna be monitoring the crap out of my cards now.  I'm done with them. 
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    CRAFTY ME

    Lilypie Angel and Memorial tickers
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    my read shelf:
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