Whine some more, please
Poor poor Justin.
He lost his card, and “couldn’t log in” to online banking to make a payment to citi bank. Now he’s whining, because they raised his rate, AND hit him with a late payment fee…
You know…EXACTLY AS THEY TOLD HIM THEY’D DO when he KNOWINGLY, and WITHOUT COERCION, signed a CONTRACT.
Poor Justin couldn’t mail a payment…or pay over the phone…no, of course not. And, clearly, it’s citibank’s fault he lost his card in the first place.
http://consumerist.com/2010/02/citi-socked-me-with-fee-rate-increase-because-i-lost-my-card.html
Ya know what, Justin? I haven’t paid an “unreasonable” (or, for that matter, a reasonable) credit card fee, rate, or payment in…what…7 years now. You know why?
Credit card companies exist to make money. They make money by encouraging you to spent money you don’t have in the first place, charging you for the privilege, and then making it as difficult and time consuming (and expensive) as possible to continue doing it…all so you can be irresponsible and juvenile.
So, I decided there had to be a better way….and, amazingly enough, there is…
I DON’T SPEND MONEY I DON’T HAVE.
ALL
DEBT
IS
TOXIC