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Can a credit card company change the rate on a loan?

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goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



374 Magic Points

 
Posted on Fri Sep 05, 2008 2:01 am  

I am always afraid of someone taking money out of my account that I did not authorize, so I keep a very close eye.
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Goodnatured,
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fireyone



Joined: 26 Feb 2008
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Posts: 4246



95 Magic Points

 
Posted on Sat Sep 06, 2008 2:23 am  

I just got worked up on this at another post you had. This really has to be illegal. Have you asked your bank how they can freely give money out to these people? I can see when they get a check back signed by you but this has to be an electronic debit, unauthorized on top of that. they could at least call and ask.
If you think about it if we would tap into a companies account and pull fiunds we would be serving a few years in the big house. Don't they have any legal ramifications?
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



374 Magic Points

 
Posted on Sat Sep 06, 2008 2:51 am  

You would think that it would be illegal, sometimes they do it and you don't even owe it. I had a company pull money from my account for a cell phone that I never had, I have always used the tracfone, I get 50 minutes for $10.59 a month, I never use that much so I thought this plan would work for me.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 4246



95 Magic Points

 
Posted on Sat Sep 06, 2008 2:54 am  

I know I wish I would have gone that route. My hubby and I never use all our minutes but I think that is because verizon to verizon is free includin the home phones.
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



374 Magic Points

 
Posted on Sat Sep 06, 2008 2:58 am  

I used to have cell one and never used all the minutes and it was a pretty expensive plan. I got out of the contract, paid the penalty and went to the tracfone.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 4246



95 Magic Points

 
Posted on Sat Sep 06, 2008 2:59 am  

I am stuck in mine for another two years and my husband refuses to go to the trac phone. Figures huh?
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



374 Magic Points

 
Posted on Sat Sep 06, 2008 3:20 am  

It is a personal decision, I know my husband has a company phone through verizon, we don't even get service where we live so mine is pretty much only when I travel.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 4246



95 Magic Points

 
Posted on Sun Sep 07, 2008 1:27 am  

We get full service here but I still have to have a house phone because of internet access.
dk0526
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Subject: cc debt on purpose
 
Posted on Sat Mar 21, 2009 2:49 pm  

I did some emergency home repairs roof, basement, driveway and bought a used car. I had a 9% home equity loan and used car loan (40,000$) and shifted it all to a citi bank 2.9% for the life of the loan...I have auto pay so I never miss a payment..I thought what the hell...its cheap money...but if the change the rates on me I would be very pissed off! Having this much CC debt is scarry but Im paying it off,,So far so good though!

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