Recent content by Lindsay J

What is the name of your state? Oklahoma I wasn't sure how to make a new post, so here goes. My saga with my credit card company continues. I sent them a registered letter outlineing the fact that my son was the one who made the late payment on the account they used as an excuse to...

Credit Card Problems Sometimes I also get perturbed at some of the bantering I find here. If you will review my posts and threads ( Lindsay J.) you may be able to find some help from what I have found out in my dispute with my credit card co. My posts / threads are under Consumer Law and...

Credit Card Rate Hike Update on my progress in my quest against my credit card company. I had asked the credit reporting agency they use to provide me with the dates in 2004 that my credit card company ordered my credit reports. The credit reporting agency simply sent me back a new credit...

Fair Credit Reporting Act I got the same runaround from the credit reporting agency I was dealing with. Go to http://www.ftc.gov/os/statutes/fcra.htm You can download a copy of the Ferderal Rules that credit reporting agencies have to follow. Section 611, Procedure in Case of Disputed...

Credit Rate Hike I too, am perplexed by the logic of the credit card companies when they do this. If they are concerned that you may be late pay with them in the future, or are close to your credit limit, how does their raising the rate on a consumer help the consumer lower his debt? IT...

Arbitration Riders I ran into some questions on this and some court cases that stated that the credit card co's arbitration riders were uninforcible in some cases because of the "undue financial cost that the consumer must post up front; the gist of this argument was that the consumer was at...

Credit Card Rate Jump I did that when I ordered my Credit reports My FICO scores are in the range where 72 % of us poor hard-working Americans are that keep the economy running. This is what upsets me at the CC company for placeing me on a non-preferred rate. Also, I still get TONS of...

What is the name of your state? Oklahoma The saga of my dealings with my cc company continues. You gotta love it!!!! Today I recieved a letter in the mail from the Chief Marketing Office of the company making me a wonderful offer to purchase a credit protection plan that will protect my...

I appreciate the advice you are giving me when you are replying to my posts. I am using their written agreement and the fact that they did not notify me per their agreement as well as the fact that they bumped my rate before they pulled my credit report. They have told me I should have...

On p. 5, sec 23 of their cardholder agreement it states that" We will notify you of any such changes as required by law." On p. 12, sec. 4 they state that "on a monthly review we may change your rate and impose a nonpreferred rate." Oklahoma State Law regarding credit cards states that...

Credit Car5d Rate Hike Patience is a Golden Virtue. I learned during my 20+ years in the Insurance business to document, document, document! I have been doing some research on the internet regarding my rate hike jump by a credit card company. I have saved all of my statements for the year...

Reply to post to my original questions. I guess what disturbs me the most about the actions of the credit card company is that I was not notified beforehand of their planned increase in rates nor was I given the opportunity to pay the accoun off in full at the lowered rate. My wife & I have...

OklahomaWhat is the name of your state? I noticed on my Dec 2004 credit card statement that my interest rate had jumped way up. When I called customer service to find out why, I was told that it was because "I had had several late pays on an account with another company & was now considered an...