Rapists.
I have a big drive to Boston today and since my housemate didn’t pay me back the $50.00 he owes me last night like he was supposed to (that’s the last loan he’s getting), I had to make sure I had some room for fuel purchases on my credit card.
I haven’t been using either card: I closed my Capital One account to pay the thing off and get rid of it, and I hid my Juniper card so I wouldn’t use it. I’m kind of psyched on the one hand: I actually have triple digits on the Juniper card, plenty of room for a tank of gas. The Cap One card has also been paid down substantially. On the other hand, I saw the interest rates I’m getting charged, thanks to the man who will never be president, Joe Biden (D-MBNA). It’s not pretty: Cap One is charging me nearly 30% interest and they have the right to jack that up anytime they want.
Usury? This is more like rape. I put my student loan payments, which have a locked in rate, on hold to pay this shit off. And Speaking of shit, when I have finished paying these cards down, I am going to mail a personal stool sample to Capital One and Juniper. And not just any stool sample: I’m going to spend the night before eating leafy greens like kale and bok choi, to scrape my innards clean, followed by a rasher of bacon, to grease up the works, and washing it all down with a six-pack of some really low-end beer, something with a flatulent name like “Blatz” or “Shlitz”.
One Response to “Rapists.”
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June 4th, 2007 at 1:14 pm
not to get too personal, but a CC interest rate that high usually results from failing to make a payment or two on time. I mention this not for chastisement, but rather to pass on info - if you’ve been paying as per agreement (on time, minimum or better) for 6 months or more, you should be able to negotiate a better rate. Just call them. It will still likely be around 20%, but hey, that’s better than 30, right?
If they are uncooperative, tell them you’re going to do a balance transfee to another company. At the thought of getting no more interest from you, they might change their tune.
Another piece of advice: consolidation loans rock. MBNA, Citibank do these. They are effectively lines of credit w/no card - but they send those stupid “cash advance checks” every month - I just throw ém out - and a slightly lower interest rate than CCs. The best part - even though they do charge interest, it’s an up-front, time limited payment structure - eg. 36 months of $xx and the loan is paid off, no screwing around.
I used to think it wasn’t worth transferring debt to save a few points on interest, but I’ve now come around to the position that every little bit helps!