Which credit card companies are the most EVIL, and why?

[Eurobabe]

Of the BIG ones, who do you think is the most evil and why? Lay it on me.

[Donnachaidh]

1. Chase started sending my kid card apps when he was *12*

And despite numerous calls stating they would take him OFF their lists - they STILL send him apps. Predatory lending at it's finest.

[meegbear]

2. Bank of America ...

when the new bankruptcy laws went into effect, they "retroactively" set my interest rate to 31% for being late on a payment 3 months earlier. Still paying off in debt consolidation.

A coworker was sick a couple months back and didn't mail her bills out. She went to a Bank of America branch to pay her bill on the day it was due. The bank "credited it on the following business day" (she was there before 1pm), and on the next bill, her rate was 29% and she was charged a late fee. Three days of calling and they removed the late fee charge but "there's nothing we can do about the 29%". She transferred it to another card and closed it.

Total. Fucking. Douchebags.

[Captain Hilts]

3. Bank of America. They buy MBNA, up fees, phone and send junk mail constantly, and then claim poverty

bullshit.

[MarianJack]

4. Bank of America.

I still hold it against them for selling 300,000+ customers' info to collection agencies a few years back.

They have NO trust or credibility.

PEACE!

[onehandle]

5. Bank of Americas are the biggest mfers out there.

When my wife's mom was dying, they were doing everything they could to keep her hands off of a small trust that was granted to her at a certain age.

It was only about 150k, but they treated it like it was 150 million, and made her jump through insane hoops just to transfer it to an accessible account.

Charged her outrageous fees. She used much of the money to keep her mom comfortable in the last few weeks of her life.

Fuck Bank of America!

[terrya]

6. CapitalOne

They're just as voracious, greedy, predatory as the other credit card companies...plus, their commercials are the most idiotic, unfunny, stupid pieces of shit ads on television.

[msongs]

7. guess what? CC money is not a free gift, it's a loan w/a contract - must be paid back according to

the terms of the contract users agreed to. hmmm.

Msongs

[Eurobabe]

8. I didn't ask that.

I asked which ones were the most evil. :hi:

[greguganus]

10. Maybe he chose "other".

:hi:

[Eurobabe]

14. perhaps, but i didn't notice

anyone had even gone there, until now. Most checked off BofA, Chase and Citi. :rofl:

[surrealAmerican]

11. Yes, but it's a contract that ONE party can change the terms ...

... of at will.

[Occulus]

13. Funny how the people who always scream "IT' S A CONTRACT YOU AGREED TO" always forget that part n/t

[Liberal In Texas]

17. And to me, that's NOT a contract.

[Peacetrain]

9. I think they are all evil!! but the one way you can get around them

is to set up an automatic payment system, that way you will never get whacked with that late payment rise in interest rates, and if you have some extra to take down the principal, you can mail that in separately.

Just make sure you have that in writing that you can prepay. Most do, but have a hard copy on hand :) they are blood suckers to the end

[surrealAmerican]

12. You may as well be asking ...

... which one do you have a personal horror story from. Face it, without strict government regulation, they're all bad.

[MadHound]

15. All of them are a sucker's game. Cut up your plastic and go to a cash, debit card, check economy

It's better for you, and better for this country.

[Eurobabe]

16. kick