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(kstp.com)   Capital One's "No-Hassle" cards can be a big hassle. Miss one payment, 27% interestarity ensues   (kstp.com) divider line 145
    More: Amusing  
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14725 clicks; posted to Main » on 31 Dec 2004 at 3:18 AM (9 years ago)   |  Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



145 Comments   (+0 »)
   

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2004-12-30 11:21:37 PM  
Yeah, THAT's when those crazy Vikings come give you the beatdown.
 
2004-12-30 11:22:01 PM  
I believe that there should be a special place in hell reserved for submitters who insist on not only continuing the "hilarity" cliche, but painfully morphing it into more and more idiotic forms.
 
2004-12-30 11:26:27 PM  
Sand-in-vaginarity ensues for Pocket Ninja.

/I keed
 
2004-12-30 11:27:41 PM  
google doesn't know "interestarity".

I refuse to acknowledge this headline. Submitter, you are off next years Christmas list.
 
2004-12-30 11:28:05 PM  
Heamer: Sand-in-vaginarity ensues for Pocket Ninja.

You owe me a new keyboard
 
2004-12-30 11:29:10 PM  
Pocket Ninja

there should be a special place in hell

Hellarity ensues
 
2004-12-30 11:30:07 PM  
dead horseilarity has ensued here
 
2004-12-30 11:30:35 PM  
Ok, Heamer just needs a good ol' bamboo caning.

But Javacrucian made me chuckle.
 
2004-12-30 11:31:05 PM  
what's in your walletarity ?
 
2004-12-30 11:31:34 PM  
This thread went green, so Drew must have liked the headline :p
 
2004-12-30 11:32:41 PM  
Ensuearity ensues.

/had-to-do-itarity ensues
 
2004-12-30 11:33:46 PM  
nardman: This thread went green, so Drew must have liked the headline

Drew's got a deal w/ the credit card companies to alleviate his debt...
 
2004-12-30 11:33:59 PM  
Oh, and just to prove that I RTFA, this woman had charges in excess of $13,000 on her credit card? That she was carrying over from month to month?

Fark her. Anyone stupid enough to rack up charges like that deserves to get raked over the coals and deal with some good ol' bankruptarity.

/yeah, I did it.
 
kcm
2004-12-30 11:34:34 PM  
 
2004-12-30 11:36:36 PM  
An open, unsecured credit line for 5% is pretty good. She's using the money to run a business. I don't think she's an idiot.
 
2004-12-30 11:39:59 PM  
I, for one, whole-heartedly approve of the use of the "ilarity" suffix.

Approveilarity, as it were.
 
2004-12-30 11:41:29 PM  
An open, unsecured credit line for 5% is pretty good. She's using the money to run a business. I don't think she's an idiot.

She's not running much of a business if

A) she hasn't read the small print on the cards that she's basing the finances of her company on, and

B) she's financing her company through credit cards that's she's leaving unpaid balances on.

Seriously. She should have gone to the bank, taken out a small business loan in the amount that she needed, and gone from there. One rate, definite payment schedules, and some willingness to work with you should things go bad. Credit cards should be used only for emergencies or expenses that you fully plan to pay off the following month. Continuing to ring up charges on one long after you're passed your ability to pay the existing charges off smacks of complete idiocy.
 
2004-12-30 11:41:29 PM  
Good sue the shiat out of Captial One, they are farking scum. I closed an account with them, paid it in full and they continued to bill me and ruin my credit. I showed them (as well as TRW etc) the proof and they said they'd fix it. Next time I applied for a card more than 2 years later I was denied as having been 'charged off' by Cap One. I showed the bank the proof and they gave me a card. I then had to fight these scums bags for another 6 months to get this shiat off my credit report.

Do not do business with them, they are the complete scum of the earth, they are the maggots that feed on the scum of the earth.

STAY AWAY AT ALL COSTS!!!
 
2004-12-31 12:06:21 AM  
I've never had a problem with Capital One. Discover Card and Chase can both kiss my ass, however.
 
2004-12-31 12:11:23 AM  
How about ay your credit card bills on time and you wont have a problem
 
2004-12-31 12:25:47 AM  
I don't pay those idiots. What are they gonna do?
 
2004-12-31 12:31:16 AM  
He also wants Capital One to changes its television ads.

How do people become a journalist/ writer with such poor editing skills?
 
2004-12-31 12:58:00 AM  
I hate them. They send me applications every goddamn week.
 
2004-12-31 01:01:51 AM  
Praise the GLORY that is USAA.
 
2004-12-31 01:03:25 AM  
I think we're all missing the whole point of this article.

"Patsy Trusty" is one hell of a funny name. Even more so in the context of this article

/smells shenanigans
 
2004-12-31 01:23:35 AM  
What I hate about Capital One is their annoying advertising.

"What's in your wallet?" -- Most certainly not a Capital One card.
 
2004-12-31 01:59:48 AM  
first thing i learned in business school, using credit cards are like getting analy raped. well, without the mess and the funny walk the next day
 
2004-12-31 02:24:56 AM  
I'm currently supervising a construction crew at the NYS Attorney General's office, and speak with the AG staff on a regular basis.

I dunno if Capital One knows this or not, but they're being investigated in several different areas, in a very big way.
AG Eliot Spitzer, is running for governor, and is very interested in keeping his name in the news every single day.
He's looking to take down some really big dogs, and believe me, he (and his staff, comprised of absolute all stars) don't fool around.

Word has it that they're gonna drop the hammer, on all the different levels of indiscretion at the same time. They just want to time it right.

Now is a good time to sell any Cap One stock you may be holding, because they are about to be ripped a new asshole.
 
2004-12-31 03:52:54 AM  
I'm currently supervising a construction crew at the NYS Attorney General's office, and speak with the AG staff on a regular basis.

I dunno if Capital One knows this or not, but they're being investigated in several different areas, in a very big way.
AG Eliot Spitzer, is running for governor, and is very interested in keeping his name in the news every single day.
He's looking to take down some really big dogs, and believe me, he (and his staff, comprised of absolute all stars) don't fool around.

Word has it that they're gonna drop the hammer, on all the different levels of indiscretion at the same time. They just want to time it right.

Now is a good time to sell any Cap One stock you may be holding, because they are about to be ripped a new asshole.


Why do you I think you could get into big trouble for posting this on a public message board...especially one as prominent as Fark?
 
2004-12-31 03:53:11 AM  
When I was Navy, world events caused a 2 week group-sail to turn into a month long. Which caused all bills to become late. Cap One proceeded to bump me from 5% to near 30%. After refusing to bring it back down, I promptly transferred the balance and cut the card in half.

2 years later I get that "new card" with a "great offer" on average of once a week.

Fark them.
 
2004-12-31 03:54:10 AM  
You Viking wants credit.
 
2004-12-31 03:55:11 AM  
You Viking does not want preview.
 
2004-12-31 03:56:50 AM  
interestarity

Haha. Omigod. That is good. Almost as original as "your dog wants..."

Ah. Pure creative genius.
 
2004-12-31 03:59:45 AM  
roflarity
 
2004-12-31 04:00:45 AM  
The problem is they change the terms of the credit after you have borrowed the money. It is not fair the way they run the business, it is a scam. They can change the terms of credit for any reason with very little notice. If you are late on your phone bill they can, if they so decide, up your APR by 5 points.

I don't run a balance and really don't have a ton of sympathy for those that do, but these companies are running a scam. If the rate goes up that is fine but it should only go up on any new charges incurred. All old charges should still be financed at the rate they were set to when the charge was made.

As for the NYS Atty. Gen. more power to him, he is doing what the federal government and especially this administration dont have the balls to do. He is making the playing field fair for all parties involved. The guy is a real hero. The problem is he often finds the feds against him because they claim jurisdiction but then will not go after the criminals.
 
2004-12-31 04:01:27 AM  
I have a Cap One card. No problems, but then again, it was my first credit card and is my only credit card (other then the Best Buy card I used once to buy a TV with no interest), so it may be terrible and I don't know it.

What's the big deal if a company ups your rate if you miss a payment? It's not as if it wasn't in the contract you signed. My Best Buy card isn't charging me interest, but if I don't pay the minimum ($11 or something) each month, then I get charged like 27% retroactively from when I bought the TV. I know this, and thus, I pay it on time.

Now that my credit card is paid off (sent my last check on Monday), I'll pay off my Best buy card in a few months (have to move and pay for car insurance in the mean time, so I won't do it next month). Then, a reletively small car payment, and I'm debt free. It feels good.
 
2004-12-31 04:02:46 AM  
Oh, AgeOfReason posted while I was typing and explained what I was missing.
 
2004-12-31 04:06:32 AM  
you think that's bad..

Asides from the credit cards I normally use. i always have a credit card or two that I keep for emergencies. One of those cards was a plain capital one card with a measly $1k limit.

I use this capital one card maybe twice in one year. At the end of the year they send me a letter saying how I cant be thier customer anymore because I dont use the card enough... and to tear up the card (I called the number on the back of my credit card to confirm this).

Funny thing is that my credit is excellent. Not two months pass and these same bastards are now sending me offers every other week saying i'm approved for a platinum card.
 
2004-12-31 04:09:05 AM  
Capital one suck, they messed up my card design!!!!
 
2004-12-31 04:15:57 AM  
Yes, but MasterCard will cost you your left nut
 
2004-12-31 04:43:09 AM  
 
2004-12-31 04:44:20 AM  
Huh uh uh...

Pasty Crusty!


Huh huh huh...
 
2004-12-31 04:48:05 AM  
2004-12-30 11:22:01 PM Pocket Ninja


I believe that there should be a special place in hell reserved for submitters who insist on not only continuing the "hilarity" cliche, but painfully morphing it into more and more idiotic forms.


same thing for the jerks that use the Todays _________ story brought to you by _________ cliche

/dies a little inside
 
2004-12-31 04:50:07 AM  
Had a Capital One card as my first real credit card. Racked up $200 (maxed it out) to pay for my last term of college. (Dropped out after the person that said "I'll cover it as long as you're working for me" didn't cover it.) Paid it off with the money I earned through my job.

Got Married to someone with loads of debt. Helped her build more up. Ended up - between new computers, going out to eat, moving, having car problems, and other unwise expenditures, with $12000 in debt. On 3 different cards (2 discover, one Citicard). (This is between 2000 and 03/2004).

My wife got a new job in 12/03 - at a bank. In March we were able to get a loan through them (personal loan, unsecured) - for the total amount of our debt. Interest rate of 8.99% - about half of what Discover was charging us.

In June, Capital One sent me a card offer - 4.99% fixed interest, Platinum card. I thought, why not? - so I called, and when the guy on the other line asked if I wanted to transfer any balances, I said "why not" again and gave him the account and balance of my personal loan.

I got approved.

In the 9 months since the personal loan was given to us, my wife and I have paid off 40% of our unsecured debt. Of course, in that same time period her income went up 50%, so that certainly helped. Still, Capital One has been treating us pretty well - they haven't been pulling ANY of the dirty tricks I was expecting. Of course, it helps that I've been paying double the minimum payment on a monthly basis.

My point is, Capital One does what a bank should do - it protects the good customers, by making the bad customers pay for their indiscretions. Unlike my old bank, who just suck, and were never willing to offer us loans for any decent amount.

I'm willing to buy Capital One stock (after I get out of debt).
 
2004-12-31 04:56:35 AM  
I was just about to get a capital one card when i saw this article, and had to submit it.

I'll stick with good old fashioned mastercard, at least they tell you they're gonna screw you over ahead of time.

And i do apologize to those who hated the interestarity. I couldn't think of any other word.

/me doesn't think too good after four glasses of jack daniels.
 
2004-12-31 05:11:18 AM  
If you are looking for a credit card, I highly recommend Citi Dividend Platinum Select Card.

5% cash back on Gas, Groceries, and Drugs.

Link to good discussion about the card.
 
2004-12-31 05:27:44 AM  
I'm a right selfish bastard, but I don't think even I could sleep at night making my money through usury...
 
2004-12-31 05:50:33 AM  
Anyone who gets a credit card deserves the following.

!!!!!!!REPRICE!!!!!!!
!!!!!!!CMA STANDARDIZATION!!!!!!!

Once you sign that cardmember agreement, or even the
back of the card, you are owned.
I hope all of you credit card 'owners' out there
enjoy your life of debt, and misery.
There is a lot to this industry that a lot of people
don't know about.

/currently knows enough about credit cards
//enough not to get one
 
2004-12-31 06:09:37 AM  
Does anyone find it odd that she bought $16,000.00 worth of stuff to start her MARY KAY business? I mean it is not like she started a real business... give me a break, if the card company saw that she was charging all this to Mary Kay they ought to be allowed to raise her rate.
 
2004-12-31 06:10:30 AM  
What I really hate is when you see a commercial - like something for a credit card or medicine or something, and right at the end they flash up some fine print for about half a second that nobody could read in that time. You know it must be important, but you just don't know what it's saying.
 
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