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.


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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
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.