Author Topic: Kali primitive gets ditched  (Read 2128 times)

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Offline franksolich

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Kali primitive gets ditched
« on: July 01, 2009, 10:41:02 AM »
http://www.democraticunderground.com/discuss/duboard.php?az=view_all&address=389x5959702

Oh my.

The Kali primitive from southernmost Texas, a second-tier primitive, not to be confused with the cali primitive, a Vermontese, a third-tier primitive:

Quote
Kali  (1000+ posts)      Tue Jun-30-09 02:48 PM
Original message

exactly who are the ****ers responsible for ditching the interest rate caps on credit cards?

Time to do some more letters - who do I send them to? I am so pissed right now. They jumped mine almost 10%. I'm to angry to deal with the poor phone idiots right now - I'd rather take it out on the political cowards responsible.

Quote
slackmaster  (1000+ posts)      Tue Jun-30-09 02:50 PM
Response to Original message
 
1. Congress has left it to the states to cap credit card interest rates

Quote
nebenaube (1000+ posts)     Tue Jun-30-09 02:52 PM
Response to Reply #1
 
2. Yeah big deal...

The states can't regulate national banks.

Quote
Eric J in MN  (1000+ posts)        Tue Jun-30-09 03:00 PM
Response to Reply #2
 
7. The Supreme Court said they could yesterday.

Well, now I remember when credit card interest rates were capped.

Most states had a limit of 18% a year.

At the time, Arkansas had the lowest cap, 14%.

But one had to be a Pedro Picasso or kaput primitive to get a card from Arkansas; like, really affluent.

Quote
KT2000  (1000+ posts)      Tue Jun-30-09 02:56 PM
Response to Original message
 
3. Send one to:

Senator Patty Murray, D-WA

Ah, Patty Murray who along with Babs Boxer (D-California) ranks as one of the two most stupid senators in the United States Senate.

Quote
Mojorabbit  (1000+ posts)      Tue Jun-30-09 02:56 PM
Response to Original message
 
4. Happened to me this month too and I have an excellent credit rating. I am still too angry to call them.

Quote
Kali  (1000+ posts)      Tue Jun-30-09 03:11 PM
Response to Reply #4
 
12. mine isn't great and I am carrying too much, but I have been working really hard on this for the last few years. But with gas prices last year, cattle prices this year, and nobody wanting the work husband does we are squeezed. I don't want to walk away from debt I have taken on. I am or at least try to be a responsible person, but jeebus they just keep grasping for more, more, more...

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timeforpeace (452 posts)      Tue Jun-30-09 02:56 PM
Response to Original message
 
5. Repukes again.

Yep, the Democrats, who control Congress.

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harun  (1000+ posts)        Tue Jun-30-09 02:58 PM
Response to Original message

6. The Senate

Trying to get them to cap rates is decades old. One has two options right now, don't have cards and get screwed. Take your pick because the elected officials won't do sh*t.

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Citizen Kang (367 posts)       Tue Jun-30-09 03:01 PM
Response to Original message
 
8. Stop using credit cards

problem solved

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Kali  (1000+ posts)      Tue Jun-30-09 03:04 PM
Response to Reply #8

9. not sure whether to tell you thanks so much and add a sarcasm smiley, or

just say FU.

Quote
Citizen Kang (367 posts)       Tue Jun-30-09 07:55 PM
Response to Reply #9
 
19. sounds like you just want to complain instead of actually doing something about your problem. Live within your means. One of the greatest blessings I received when my house was foreclosed on was my credit card companies all cut off my credit. I paid off what little debt I had and will never be a slave to them again.

I'll say it again, live within your means. Its not impossible and its very liberating. Or just keep complaining, whatever gets you through the day.

Quote
Kali  (1000+ posts)      Tue Jun-30-09 11:22 PM
Response to Reply #19
 
21. oh the FU was the correct choice

You really ought to have a little better understanding/compassion for people that find themselves in similar circumstances. (not for me - I don't give a shit what you think of me and the truth is you don't know why I am carrying credit card debt)

Live within your means. Nice. What sort of helpful advice do you give to homeless people?

Quote
PVnRT (1000+ posts)        Tue Jun-30-09 03:39 PM
Response to Reply #8
 
15. I suppose unemployed people just need to get a job, too

Poof! Problem solved!

Quote
metapunditedgy  (232 posts)        Tue Jun-30-09 03:36 PM
Response to Original message
 
14. Send one to your state regulator. I got good responses that way.

See if you can find anyone who is already prosecuting or negotiating with your company.

Quote
Kali  (1000+ posts)      Tue Jun-30-09 04:38 PM
Response to Reply #14
 
16. ooo a regulator. good thinking

I had pretty good luck getting action when I called the Corporation Commission on AT&T for not fixing a washed out cable line. I wonder if that is who deals with the banks here.

Quote
metapunditedgy  (232 posts)        Tue Jun-30-09 10:26 PM
Response to Reply #16
 
20. You might get lucky and find that your state is already prosecuting JPM/Chase for something else, in which case they'd be happy to have additional leverage from you, and you could presumably benefit from their efforts, too. Some states are more active than others.

Again, if you can find more people in your situation, it works better and gets more attention. There really needs to be a good clearinghouse for consumers to join up on such matters. You might try posting on various JPM stock boards or other web sites that post company news.

Google might also turn up a few sites started by disgruntled customers.

Hey, careful now.

Chase Manhattan's a Rockefeller bank.

The Rockefellers are liberal Democrats now, remember.

Quote
Kali  (1000+ posts)      Tue Jun-30-09 11:26 PM
Response to Reply #20
 
22. its B of A, but yeah that is the sort if info I was hoping to find

Quote
metapunditedgy  (232 posts)        Wed Jul-01-09 11:11 AM
Response to Reply #22
 
23. Sorry, I've seen so much negative about JPM/Chase, I just assume these days.

How is it possible for a primitive to be negative about a bank owned by liberal Democrats?

Quote
Libertyfirst  (515 posts)      Tue Jun-30-09 04:38 PM
Response to Original message
 
17. Delaware legislature under Gov. Pierre duPont IV (R) did away with interest rate caps to lure credit card companies to Delaware as an economic development measure.
Some other states followed. That was in the seventies.

Wrong, wrong, wrong.

It was South Dakota under a Democrat governor who first did away with interest rate caps to lure credit card companies there.  This was in the '70s.

South Dakota was first, and Citibank set up quarters there before the ink was even dry.  If Delaware had preceded South Dakota, I'm sure Citibank would've gone there instead, but South Dakota led the way, and so Citibank moved way out this way.

Quote
Kali  (1000+ posts)      Tue Jun-30-09 04:43 PM
Response to Reply #17
 
18. I'm not talking about when it happened like that.

I'm talking about bail-out monies or more recent regulatory changes - weren't there originally going to be provisions to cap rates (I'm thinking I heard it was like 15%) but it got pulled as too "mean" to the assholes. (or maybe it was an attempt to insert it during the process)

But at 15% interest, who's going to get a credit card?

Most of the primitives will have to stop paying their drug dealer cash and their grocer plastic, because with no plastic, the primitives'll have to pay cash for groceries.

At 15% interest, no credit card company is going to take higher-risk applicants.

It makes sense.....to everybody but primitives.
apres moi, le deluge

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Offline Karin

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Re: Kali primitive gets ditched
« Reply #1 on: July 01, 2009, 10:59:23 AM »
Citizen Kang is a LOUSY FREEPER TROLL.

Offline GOBUCKS

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Re: Kali primitive gets ditched
« Reply #2 on: July 01, 2009, 11:11:24 AM »
Quote
Citizen Kang (367 posts)       Tue Jun-30-09 07:55 PM

19. sounds like you just want to complain instead of actually doing something about your problem. Live within your means. One of the greatest blessings I received when my house was foreclosed on was my credit card companies all cut off my credit. I paid off what little debt I had and will never be a slave to them again.

I'll say it again, live within your means. Its not impossible and its very liberating. Or just keep complaining, whatever gets you through the day.

Eminently sensible advice from soon to be tombstoned former deadbeat DUmmy Citizen Kang, right? Noooooo! Suggesting a responsible lifestyle borders on "hate crime" territory at the DUmp:

Quote
Kali  (1000+ posts)      Tue Jun-30-09 11:22 PM

21. oh the FU was the correct choice

You really ought to have a little better understanding/compassion for people that find themselves in similar circumstances. (not for me - I don't give a shit what you think of me and the truth is you don't know why I am carrying credit card debt)

Live within your means. Nice. What sort of helpful advice do you give to homeless people?

I always thought "live within your means" was good advice for anyone, even those of very limited means.

To do otherwise is thievery, which can be either quick, using burglary or a weapon, or slow motion, using credit cards beyond one's means to repay the debt. Net results are morally identical.


Offline JohnnyReb

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Re: Kali primitive gets ditched
« Reply #3 on: July 01, 2009, 11:14:09 AM »
Citizen Kang is a LOUSY FREEPER TROLL.

Like a fish outta water.
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Offline BadCat

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Re: Kali primitive gets ditched
« Reply #4 on: July 01, 2009, 11:28:54 AM »
Anybody wanna bet the idiot OP missed a payment or two and the company jacked her rate?
Help keep America beautiful...deface a liberal.

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Offline franksolich

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Re: Kali primitive gets ditched
« Reply #5 on: July 01, 2009, 12:33:20 PM »
Anybody wanna bet the idiot OP missed a payment or two and the company jacked her rate?

That possibility, er, probability, has not gone unconsidered.
apres moi, le deluge

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Offline AllosaursRus

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Re: Kali primitive gets ditched
« Reply #6 on: July 01, 2009, 12:33:42 PM »
I think my highest rate is 9.9% and it/s on a $300 card I use for gas and maintenance on my vehicles. I pay it off every month, so guess what my interest rate is DUmmie?
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Re: Kali primitive gets ditched
« Reply #7 on: July 01, 2009, 12:41:03 PM »
http://www.democraticunderground.com/discuss/duboard.php?az=view_all&address=389x5959702


Ah, Patty Murray who along with Babs Boxer (D-California) ranks as one of the two most stupid senators in the United States Senate.


Soon to be joined by a true glistening jewel of colossal ignorance, a man so stupid the entire Senate's collective IQ will plummet 50 points by his mere presence, the new senator from Minnesota, Al "I'm an F'n MORON" Franken
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Offline Chris_

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Re: Kali primitive gets ditched
« Reply #8 on: July 01, 2009, 12:47:40 PM »
Quote
Kali  (1000+ posts)      Tue Jun-30-09 11:22 PM

21. oh the FU was the correct choice

You really ought to have a little better understanding/compassion for people that find themselves in similar circumstances. (not for me - I don't give a shit what you think of me and the truth is you don't know why I am carrying credit card debt)

Live within your means. Nice. What sort of helpful advice do you give to homeless people?

How about live in a box??  :rotf:
If you want to worship an orange pile of garbage with a reckless disregard for everything, get on down to Arbys & try our loaded curly fries.

Offline The Village Idiot

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Re: Kali primitive gets ditched
« Reply #9 on: July 02, 2009, 08:09:35 AM »
How about live in a box??  :rotf:

Dear Kali, try not going into debt.