GE care credit - SuperiorMuscle.com

phatchopper · #1 03-31-06, 09:08 AM

What a bunch of assholes. I moved and missed a payment and then some lady calls me and tells me I need to make a payment so I pay both payments. The next bill I get they have cancelled my promotional period and charge me 26% interest. So now I'm pissed, I call up and want to just pay off the balance but the fucking dickheads tell me I have to pay the finance charges on top of it. I get some pussy manager on the phone that tells me not to cuss at him so I told him to go fuck himself and he hung up on me. I will never do one of those bullshit no interest things again, if I dont have the cash I shouldnt have it. DAMN, if I could climb through the phone I would have beat the shit out of one of these motherfuckers.

go Yankees · #2 03-31-06, 09:15 AM

I would imagine if you did something so they don't get their cut anymore, they'll want you back. Kinda like calling a credit card company and asking to pay off your balance and cancel the card, and they respond by raising your limit and dropping your interest rate. Customer service is a tough one...there are a lot of incompetent people out there and it's VERY important job

***THE BOUNCER*** · #3 03-31-06, 09:15 AM

ya, the problem is that you missed a payment. never miss a payment when there is a deferred finance charge involved.

phatchopper · #4 03-31-06, 09:31 AM

Quote:

Originally Posted by THE BOUNCER

ya, the problem is that you missed a payment. never miss a payment when there is a deferred finance charge involved.

Now he tells me.....oh well, I paid the stupid card off and I'm not dealing with them ever again. I work in customer service also so believe me I understand the level of incompentency out there. My face is all red because I'm so pissed, everyone I work with thinks its hilarious

**Shibby** · #5 03-31-06, 09:45 AM

Yea, that's in the fine print and the whole catch. They look at how probably 90% of all people end up missing a payment(or paying it late) for what ever reason. Then they jack up the intrest and rake in the money. Then most people don't have the money to pay the whole thing off and end up only able to afford the minimum payment, which is usually just the intrest for that month.

**Shibby** · #6 03-31-06, 09:47 AM

I refuse to get a credit card now days. Since you can use a debit card the same way, there is no sense in it for me. If something were to came up and I need emergency money, then I just just pay it and take the $18 overdraft fee. No biggie.

***THE BOUNCER*** · #7 03-31-06, 09:51 AM

Quote:

Originally Posted by Shibby

I refuse to get a credit card now days. Since you can use a debit card the same way, there is no sense in it for me. If something were to came up and I need emergency money, then I just just pay it and take the $18 overdraft fee. No biggie.

there is 1 major reason to have a credit card. it helps you build up credit. even if you have a credit card and only buy gas or whatever with it. otherwise, you will have no credit and will never be able to buy a house or car or whatever in your name.

phatchopper · #8 03-31-06, 09:53 AM

Quote:

Originally Posted by Shibby

I refuse to get a credit card now days. Since you can use a debit card the same way, there is no sense in it for me. If something were to came up and I need emergency money, then I just just pay it and take the $18 overdraft fee. No biggie.

yep thats the way its going to work for me from now on, I am kind of digging myself out of debt and right now and had to learn a few things the hard way. But at least I have a house and nice car, so its not that bad but I just hate how everyone is treated like a piece of shit. I was thinking, what if I didnt have that money to pay off that bill it would be like 400 bucks a month for a year to even pay it off, that is insane. These companys just rob people and put them in such huge holes its completely unreasonable there needs to be some sort of protection against stuff like that. Granted it was my fault for missing the payment but by no means should it cost me over 300 bucks in finance charges.

***THE BOUNCER*** · #9 03-31-06, 09:56 AM

Quote:

Originally Posted by phatchopper

These companys just rob people and put them in such huge holes its completely unreasonable there needs to be some sort of protection against stuff like that.

I dont agree bro. It was you that decided to charge whatever you bought. It was you that missed the payment. The credit card company held up there end of the deal and you didnt. Thus you have to pay for it. You knew all the details going into it, they didnt hide anything from you.

**Shibby** · #10 03-31-06, 10:02 AM

Quote:

Originally Posted by THE BOUNCER

there is 1 major reason to have a credit card. it helps you build up credit. even if you have a credit card and only buy gas or whatever with it. otherwise, you will have no credit and will never be able to buy a house or car or whatever in your name.

Yea, but where I am right now it's more trouble than it's worth. Plus a credit card is like the slowest thing in building up credit. Just to frustrating for me to deal with at this point in my life.

**Shibby** · #11 03-31-06, 10:03 AM

Quote:

Originally Posted by THE BOUNCER

I dont agree bro. It was you that decided to charge whatever you bought. It was you that missed the payment. The credit card company held up there end of the deal and you didnt. Thus you have to pay for it. You knew all the details going into it, they didnt hide anything from you.

I agree, they are taking a chance on you and you could charge thousands of dollars that never gets paid. You have your stuff and all they can do(usually) is report you to the credit beauru.

ROCKILLER · #12 03-31-06, 11:02 AM

I've had my cards for severl years, a couple months ago, I was late by a day or two because I didnt mail it soon enough. I called and complained and they reversed the charge. This was the first time and it was only like 2 days late but I was tried to be really nice and they didnt really hassle me about reversing the late fee. I dont know where you stand now with them but it might be worth a try in the future.

***THE BOUNCER*** · #13 03-31-06, 11:07 AM

I never use mail anymore. I pay all my shit online. Much easier.

ROCKILLER · #14 03-31-06, 11:10 AM

I'm old school I guess.

***THE BOUNCER*** · #15 03-31-06, 11:11 AM

Quote:

Originally Posted by ROCKILLER

I'm old school I guess.

old school got you a late payment. lol.

**Shibby** · #16 03-31-06, 11:22 AM

Quote:

Originally Posted by THE BOUNCER

I never use mail anymore. I pay all my shit online. Much easier.

Same here, it's also nice not having a check sitting out there.

ROCKILLER · #17 03-31-06, 12:14 PM

Quote:

Originally Posted by THE BOUNCER

old school got you a late payment. lol.

You got me there. I just find it easier to keep track of things when I write the check out physically and mail it. I'm in law school right now and I barely make it by so it helps me to plan my spending.

phatchopper · #18 03-31-06, 12:26 PM

Quote:

Originally Posted by THE BOUNCER

I dont agree bro. It was you that decided to charge whatever you bought. It was you that missed the payment. The credit card company held up there end of the deal and you didnt. Thus you have to pay for it. You knew all the details going into it, they didnt hide anything from you.

It wasnt made clear to me, I got lasik and was told originally by the doctor that I could just finance thrugh their office because a friend referred me, well after the procedure they tell me I owe 1500 bucks and it ended up being kind of a hassle but they said they can see if I can get the GE care credit and i qualified but they just made me fill out the application and I got approved and they sent me on my way. I understand its my fault for missing the payment and all that, but it just still seems unreasonable that after the missing payment was paid and I had the money to pay off the balance that they wouldnt work with me at all or cut me any type of break since I wanted to pay the account in full. Honestly its fucking paid I dont have to deal with it any longer and I learned my lesson

phatchopper · #19 03-31-06, 12:36 PM

Quote:

Originally Posted by THE BOUNCER

I dont agree bro. It was you that decided to charge whatever you bought. It was you that missed the payment. The credit card company held up there end of the deal and you didnt. Thus you have to pay for it. You knew all the details going into it, they didnt hide anything from you.

I bet I know of a great company where you can get a job in customer service.
:laughnew:

rado · #20 03-31-06, 02:42 PM

Quote:

Originally Posted by THE BOUNCER

ya, the problem is that you missed a payment. never miss a payment when there is a deferred finance charge involved.

Exactly..../\

rado · #21 03-31-06, 02:46 PM

Quote:

Originally Posted by THE BOUNCER

there is 1 major reason to have a credit card. it helps you build up credit. even if you have a credit card and only buy gas or whatever with it. otherwise, you will have no credit and will never be able to buy a house or car or whatever in your name.

So true bro...But here's the thing; Credit is money you don't have...As to why it's called credit....I agree with Shibber in someway here on not wanting to have a credit card, but on the other hand it's not so good to think that way...Credit is everything these days, we all know this....It's hard to maintain a good beacon score, not to get in debt and especially paying bills on time since always something "pop's up"

I only have 1 Gas card(Shell) & 1 Credit card(My Blue)...I don't need a department store card or anything else...Use your check card when possible and always pay cash when you can....I myself hate the credit card co...They could all eat shit....

hlcn8 · #22 03-31-06, 09:30 PM

yeah i made the mistake with credit cards in college, and paid for it all in the end. my credit score went up slightly upon paying everything off, but it's still trashed. better to buy furniture or something on credit and pay that off to build credit with small reasonable amounts at a time. credit card companies are almost predatory lenders in my opinion, they're limited to how much interest they can charge you by law, but can circumvent that by adding late charges, reneging on finance terms, etc. ya gotta play exactly by their rules or you pay out the ass!