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September 2007

Card Services – Are you calling to lower your interest rate?

I just received an unsolicited business call on my cell phone. It came from an unidentified number; as I had been expecting a call from a friend, I answered it.

Here is the spiel, as near as I can recall:
“Attention all Visa and Mastercard holders! This month credit card companies may RAISE YOUR INTEREST RATES! If you’re interested in lowering your interest rates, please press nine now!”

I pressed nine, to try to get some more information. I was placed on hold briefly, then routed to someone who DID NOT provide any information, other than:
“Are you calling to lower your interest rate?”

“I don’t know, is there a number I can call back on…”


They hung up on me. I have no idea who they are, I got no search hits when I probed on the two terms I could cobble together quickly. Anyone else pissed off?

(Do Not Call Registry Violation, too!)

STUPID stupid Bank of America idiots…

So I discovered about a month ago that Bank of America had jacked my interest rate to 24.99% LAST NOVEMBER because I actually used the majority of the line of credit that had been extended to me.

I have been a cardholder for nine years with this card; when I called to inquire, I was told that if I paid off over half the debt, they would INVESTIGATE lowering my interest rate.

INVESTIGATE, not do so.

I’ve been investigating my alternatives, but today just took the cake.

Today, I received the following in an email:

We are inviting some of our most valued customers to join Bank of America’s Credit Card Online Advisory Panel.

This is an opportunity to provide your opinions and feedback on services and new products you might receive.

HA HA HA HA. Pay back is a bitch. 🙂

I love thermodynamics

I filled up a water bottle today, and that was my thought.

Allow me to elaborate, at length, and with no good reason. Then, if you’re good and comment, I might record an actually interesting series of events, which triggered responses such as, “Gasp!”, “Ha!”, and “Snore!” when recited to a captive audience over lunch today.

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