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May. 17th, 2009

  • 3:21 PM
Dagger-Happy hearts
So, that semi-good day I was having? Gone. I logged onto Bank of America today to find that both of my credit cards have had huge line decreases. One of the cards is now within $20 of maxing out. I have never missed a payment on either card (I have had one for 4 years, the other for 3) and I have never maxed either one out. I called to see why they did this without any notice and it's because I requested a line increase on one of them. They checked out my accounts and decided I was a risk (which is weird because again, never missed a payment, over 710 credit score, the only thing is that I currently don't have income). So, not only did they decline my increase (which I could live with) they brought one down $1,500 and the other $1,000. I don't need them to go on extravagant trips or to buy designer purses. I need them to pay for gas next week to get back from Phoenix. I need them for groceries, for gas here...and now I can't use either one. The one that isn't almost maxed out I now need to touch even less for emergencies (like putting $1800 of car repairs on it like I just did for the other one less than two weeks ago). Thanks Bank of America, I'm glad I can count on you to screw me over once again during a great week that has already become synonymous with screwing me over.

Comments

( 6 comments — Leave a comment )
[info]ericalcarpen wrote:
May. 18th, 2009 12:38 am (UTC)
Ah man! Stupidness! That makes no sense why they would declare you a risk and it's not like you aren't going to have income soon. I'm sorry : (
[info]snapeiddyshanks wrote:
May. 18th, 2009 05:03 am (UTC)
Yeah, it was really silly. I'm not as mad now, I'm going to setup an account with a credit union tomorrow. :D
[info]strwbrygrllily wrote:
May. 18th, 2009 04:57 am (UTC)
D: I'm sorry! Banks suck. You should check around to see if they have a credit union in the area when you have time.
[info]snapeiddyshanks wrote:
May. 18th, 2009 05:03 am (UTC)
I looked into it today and there is a credit union that my aunt recommends up here. I'm going tomorrow to setup an account and cancel with bank of america. :D Banks do indeed suck.
[info]haitoku wrote:
May. 18th, 2009 09:33 am (UTC)
That is fucking stupid. As if banks weren't shitty enough for spending massive amounts of money giving their CEO's huge bonuses, they go and do shit like this. Ridiculous.

At least if you open an account with a credit union, you might actually, I don't know, make some interest in a savings account, though. I think I've earned 5 cents in interest during the six years I've had a savings account through Wells Fargo. It is basically pointless to put any kind of savings into a bank. You may as well put it under your mattress.

I hope the credit union works out for you, though! I can't wait to see you on Thursday! :DDD
[info]furkitfox wrote:
May. 18th, 2009 03:18 pm (UTC)
Fucking banks!

A couple of credit cards have done that to me before, too. Wait until I pay off a portion of the balance which I play on using again, and then lower the limit, basically killing all the money I just used as a payment!

We should kill them.
( 6 comments — Leave a comment )

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