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Can anyone name one credit card company that WON'T fuck me over?

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da_chimperor Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 06:51 PM
Original message
Can anyone name one credit card company that WON'T fuck me over?
Well, at least less than CapitalOne? Just got a $99.00 charge for a 'member fee'. Seriously, I want to start up a bank or credit card company with the motto 'we won't fuck you.' :grr:
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Left Is Write Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 06:52 PM
Response to Original message
1. Have you tried your own bank?
We have our main credit card through the bank where we carry our checking and savings accounts. I've been very pleased with them, and we have a low fixed interest rate if we need to carry a balance.
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da_chimperor Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 06:54 PM
Response to Reply #1
3. Yeah, well, i'm not too fond of them either.
I've had problems with Wells Fargo before, but i'll look into it when i'm back stateside.
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Beaverhausen Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 06:53 PM
Response to Original message
2. working assets?
http://www.workingassets.com/

I don't have one with them but they donate money to good progressive causes.
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da_chimperor Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 06:58 PM
Response to Reply #2
7. I've heard DUers say good things about them before.
They're on my list to check out, thanks.
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LynneSin Donating Member (1000+ posts) Send PM | Profile | Ignore Tue Apr-18-06 07:42 AM
Response to Reply #2
43. Yes, progressive causes like MBNA
that's who owns the Working Asset credit card
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AirmensMom Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 06:54 PM
Response to Original message
4. CapitolOne is THE WORST.
We've had very good luck with Discover.
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ChoralScholar Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 07:05 PM
Response to Reply #4
14. Capitol One...
Edited on Mon Apr-17-06 07:07 PM by ChoralScholar
What's in YOOOUR asshole?
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AirmensMom Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 07:08 PM
Response to Reply #14
19. You got that right.
We had to dispute a charge (we had returned the stuff) and they wanted us to send the documentation THREE times! Then they never wrote to tell us it got settled ... they just never took the temporary credit off. We shredded the new cards.
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da_chimperor Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 07:09 PM
Response to Reply #4
20. They are gigantic pricks, that's for certain. n/t
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AirmensMom Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 07:13 PM
Response to Reply #20
21. See my above post ...
and I forgot to say that this terrible service happened AFTER they let us sit on hold for 45 minutes every time we called. They don't want anyone to talk to their disputes department. :grr:
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Radio_Guy Donating Member (875 posts) Send PM | Profile | Ignore Mon Apr-17-06 09:39 PM
Response to Reply #4
33. Discover was just as bad as Capital One with me
I cut them up and mailed them back.
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AirmensMom Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 09:51 PM
Response to Reply #33
34. Really?
I'm sorry to hear that. What did they do?
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Radio_Guy Donating Member (875 posts) Send PM | Profile | Ignore Tue Apr-18-06 07:41 AM
Response to Reply #34
42. I paid them on time for five years
The one time I mailed in my payment on the day it was due (a Friday) they called me every day the next week wanting to know where the payment was. I told them it was already sent in, but they kept calling and kept calling and kept calling. Them calling wasn't going to make the mail get them their check faster. But they kept harassing me anyway.
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Alleycat Donating Member (992 posts) Send PM | Profile | Ignore Mon Apr-17-06 06:55 PM
Response to Original message
5. Dump them all
They are all blood sucking theives who will screw you again and again.
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0007 Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 06:59 PM
Response to Reply #5
8. There are many good points in having a credit card as long as
YOU DON'T LET THE CHARGES GO OVER THIRTY DAYS. You're screwed if you do.
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Alleycat Donating Member (992 posts) Send PM | Profile | Ignore Mon Apr-17-06 07:05 PM
Response to Reply #8
13. Yeah I guess that's why I'm so against them
I got myself in a bind last year. Long story short-asthmatic cat, bad sewer line, four new tires and realignment- end results $8600 in debt.

Slowly digging out!
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da_chimperor Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 07:02 PM
Response to Reply #5
10. I pay the whole thing off every month, electronically.
I never have problems with paying late, that's why I suspect i've been hit with this charge.
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Alleycat Donating Member (992 posts) Send PM | Profile | Ignore Mon Apr-17-06 07:06 PM
Response to Reply #10
16. Probably right
They are not making any money on you.
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0007 Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 06:56 PM
Response to Original message
6. How much were the past membership fee's?
Are you sure this isn't a security deposit?
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da_chimperor Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 07:04 PM
Response to Reply #6
11. As far as I can remember, I've never been charged any membership fee.
It's the card I got when I was in high school, and they upped the limit and lowered the interest rate, etc. Maybe I just can't remember, but i'm pretty sure I wouldn't miss a $99 fee.
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0007 Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 09:06 PM
Response to Reply #11
30. I've never heard of a fee that high. Twenty dollars is the highest
I've ever paid. I have resisted a few times and had it waived but had to jump through hoops and make threatening remarks. My bank doesn't charge a fee. So I'm happy.
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Burma Jones Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 07:02 PM
Response to Original message
9. If you can join a Credit Union, you might get a decent deal there
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ChoralScholar Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 07:04 PM
Response to Original message
12. Simmons First of Pine Bluff, AR
Has one of the lowest rates in the nation.

http://www.simmonsfirst.com/creditcards/

Very good reviews.
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da_chimperor Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 07:18 PM
Response to Reply #12
24. 8.95% Fixed APR . . . not too shabby.
Way cool. More good things come out of Arkansas than just Clinton, I see. :D
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MissB Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 07:05 PM
Response to Original message
15. Credit union.
Find one, open an account and get a credit card from them. Keep it local.
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da_chimperor Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 07:25 PM
Response to Reply #15
26. I've already got 3 bank accounts, but thanks for the suggestion. n/t
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bridgit Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 07:07 PM
Response to Original message
17. yup, we like these guys...
http://www.hsbcusa.com
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da_chimperor Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 07:14 PM
Response to Reply #17
22. Hmmmmm, someone else to think about.
Thanks.
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LostinVA Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 07:08 PM
Response to Original message
18. Most credit unions are pretty good
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bigwillq Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 07:17 PM
Response to Original message
23. Capital One is AWFUL!
They never send me a bill and then charge me a late fee for not paying. Sometimes I go months without a getting a bill. I have told them this many times and it still happens.
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da_chimperor Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 07:20 PM
Response to Reply #23
25. This is the first time i've had a problem with them.
But I have always known they are a nasty company at heart. I make ALL of my payments online. It really is the only way, seeing as i'm in 'Urp (freeper-speak for Europe).
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bigwillq Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 07:27 PM
Response to Reply #25
27. I am going to start paying on-line soon.
I think it's better that way.
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Skittles Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 07:53 PM
Response to Original message
28. no
I cannot
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Fridays Child Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 08:08 PM
Response to Original message
29. They're all the same but you can go with one of the blue companies...
...and at least get the satisfaction of knowing that your money supports Democrats. As noted above, Working Assets (http://www.buyblue.org/node/2208/view/summary) is the best. It's 96% blue and the other 4% goes to Independents and others--no Republicans.

Also, Mastercard and Visa support no candidates, at all. So, if you get either card through a blue bank, that's a good thing, too. Bancwest (http://www.buyblue.org/node/292/view/summary) is 85% blue. That's a pretty good record. And Commerce Bank splits 60-40, in favor of Democrats. That's not so bad, either. I guess, all things considered, Working Assets is head and shoulders above the crowd.

www.buyblue.org
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Starlight Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 11:04 PM
Response to Reply #29
41. The problem with Working Assets: it's not one of MBNA's better cards.
Most pay rewards. This one donates a *tiny* amount to charity. I'd prefer to receive the cash back and donate to a charity of my choice.
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graywarrior Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 09:14 PM
Response to Original message
31. I just went through a bankruptcy and I'm getting 2 or 3 credit card
invites a day in the mail. I've survived for 4 years without them. I will never use a credit card again.
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Floogeldy Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 09:25 PM
Response to Original message
32. Somebody should start a credit card company and charge 10%.
I think this type of margin pricing could pay off big time.

All of the current greedy bastards will end up in HELL! }(
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Starlight Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 10:55 PM
Response to Reply #32
39. 10% interest??? That's ridiculous. I'd never pay that much.
:thumbsdown:
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Starlight Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 10:03 PM
Response to Original message
35. All my credit cards have reward programs plus bonuses for opening
the account. Usually zero interest for balance transfers for a time, too. If you have reasonably good credit, there's no reason to accept bad credit card terms. :)
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Floogeldy Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 10:10 PM
Response to Reply #35
36. B-U-L-L-S-H-I-T
It goes from 0% to 29%.

You must do a lot of transferring from card to card.
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Starlight Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 10:53 PM
Response to Reply #36
38. Why do you assume everyone carries a balance?
Edited on Mon Apr-17-06 10:56 PM by Starlight
I pay them in full every month EXCEPT when I can get an interest free loan. Then I max them out and invest the proceeds in a high rate CD. :headbang: And, if you have anything close to decent credit, your interest rate NEVER goes anywhere close to 29%. My highest rate card is 12% and I'd never, never, never carry a balance on it.
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Left Is Write Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 10:57 PM
Response to Reply #36
40. 29%?
I have never carried a credit card with an interest rate that high.
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leftofthedial Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Apr-17-06 10:18 PM
Response to Original message
37. no
that's the credit card business model
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