Faron
Houston,#2Consumer Comment
Sat, April 19, 2008
Please be advised your Annual Percentage Rate changed because we can and you can't do anything about it. We saw that we weren't screwing our customers like other credit institutions, so we decided to hop on board and put the screws to you. Please be informed that we have mailed a copy of the change in terms for your records and if you don't like that is tough s*it . We apologize for you being so stupid and gullible but hey, it's business. If you have further stupid questions or would like additional information on how we can screw you in the future, please e mail us through our secure Contact Center so we can send you another BS response or you may also call our representatives from third world countries who will be sure to not be understood by you and, of course, we won't be able to understand you. So nothing will be gained, but you owe us more money so just pay up, ok? Representatives are available to screw you 24 hours a day, 7 days a week if you're still not had your fill of our screwing, yet. ............................... The first sentence is really the key to this whole diatribe. They will raise it based on your credit scores; they will raise it based on too much credit or not enough credit; they will raise it if you don't charge enough and only use it for paying off other cards; they will raise it for any late payments to anybody else; they will raise it to reduce credit card holders; and they will raise it if the CFO looks outside and sees a blue sky. Congress was looking into this very matter of indiscrimiately raisng your APR, but of course they're paid off by the lobbyist of these organizations, so nothing will be done. ------------------------------------------------------------------------------ Please be advised your Annual Percentage Rate changed because of the Change in Terms you received in November 2007. We periodically review our business policies and practices to ensure we re doing the best job we can managing our business and serving our customers. In this case we decided that, given the economic trends of the past year, we needed to tie our rates more closely to the market. Please be informed that we have mailed a copy of the change in terms for your records. Please allow 10 to 15 business days to receive. We apologize for any confusion this matter may have caused you. If you have further questions or would like additional information, please e mail us through our secure Contact Center or you may also call our Customer Service Department toll free at 1 800 356 0011. Representatives are available to assist you 24 hours a day, 7 days a week. '