Quote From: juliebggHow 'bout cutting up your credit cards. You are complaining about being in 80,000 dollars debt, and then you complain that they lower your credit limit to a point where you are almost 100% maxed out. You need to stop spending money that you don't have. The credit card companies are not crooks. The crooks are the people who continue to charge things they can't afford until they end up having to declare bankruptcy. Quite frankly, I am tired of funding irresponsbile people by being charged high rates that help pay the companies for those who charge and then can't pay their cards off. Simple stuff here. If you can't afford to pay the bills, stop charging things.
you have a LOT of nerve blaming the credit card companies for your debts. i happen to be employeed by a credit card company and although i appreciate your paying my salary i don't appreicate your blaming me and my coworkers for your financial woes. i have worked in our collections department and the credit side of the business. i have seen customers that i agree are paying high rates for no reason but others(like ones with 80k in debt) that should be. reason being your credit works like your car or medical insurance, the more marks you have against you the higher rates your going to pay. its really that simple. your a risk. the fact of the matter is the credit card company may have sent you the application or called you and sold you the card over the phone, but truth be told, you decided to use it, you have about 80k in stuff around your house and now its someone's fault? i have also had conversations with people such as yourself that i've had to tell that im cutting there credit line down because they can't afford to keep spending. what I want to know is why if you admit you can't afford what you have, why do you want more? when is enough going to be enough?
