Shove the credit card ....

I assume Bangs have responded then...

Yes, Bangs have replied. They're really not picky about what amp we get them so long as it's "loud". So, basically, any Marshall over about 100 watts would probably do. I'd go for a combo rather than a stack, cause it will be cheaper and easier to transport.

I am perfectly willing to talk to hire places about this, but I'm having the Phone Fear today and can't seem to get myself to call. I know it's absurd, it's a phobia, whatchagonnadoo?

I tried to get Jane to call, but she's not responding to my mail, probably because my email is down.

Sorry, everyone, for talking relationship/business stuff on the board, but my email is broken and I don't seem to be able to send or receive any mail today.

Incidentally, what if you're called by a product that does indeed come with ponies?

"But sir, no-one cares about tracking weight today", I heard him mumble sheepishly.

HA HA HA we LARFED as we ran out.

SURELY it is worse when you get bulled into applying for a new credit card and then get a letter saying "Yore applikashun haf been deenyeed". FECKERS.

My amp is a bass amp and it is turned up to six. Bassists are subtle masters of restraint and the farty noises. Gr8!

Those Tottenham Court Road stores are the worst. I once ran from a computer store where they wouldn't let me leave shouting 'leave me alone!!!!!'. I was only trying to buy a power supply, for God's sake. I did not want a flat-screen monitor. Sales staff like that are the real world equivalent of pop-up ads.

"Hi, I'm looking for second generation Asian students for an article I'm writing. I work for the Daily Mail." "I'm sorry" I said - nary a beat. "I work for the Daily Mail." She repeated louder. "I heard. I was just saying how sorry I felt for you."

Goddamned CC company froze my card just because I missed one monthly payment (I lost the bill and forgot about it). At least the Chase fuckers were happy just to pile on the late fees. I hadda add an "emergency" CC to PayPal to get the payment thru the system. Fuck eBay and its henchmen.

Why do credit card companies send me cards with laughably low limits?

Laughably low? Are we talking $2K or something? That's just a training period. I take it yr credit score ain't > 600.

They raise mine without asking. Its at 4150 now. I would really prefer not to have that much credit, considering the interest charges

Incidentally, since I signed up for the do-not-use-my-credit-score-for-offers list, I have gotten no preapproved CC offers.

Laughably low? Are we talking $2K or something? That's just a training period. I take it yr credit score ain't > 600.

-- libcrypt, Saturday, March 1, 2008 4:25 PM (12 minutes ago) Bookmark Link

hahah my credit score was like 680 but its above 600 still. I only have one card with over $1500 limit on it. The rest are sub 1000 and all these offers are sub-500

I would really prefer not to have that much credit, considering the interest charges

Ok, am I being a moran here, but if you don't buy on credit you won't need to pay those interest charges, so why get all worked up about it?

I think I have a couple of thousands which I can spend. Never do though. I don't think I have ever bought on credit.

My first CC had about a $1500 limit on it. I was in grad school and that was probably the first pre-approved offer I ever got. Some 12 or so years later I still have it and the limit is in the $20Ks without me ever having asked for it to be raised. They definitely got their meathooks into me at the right time and have probably made a bundle offa me. Given that the interest rate isn't great at all, why don't I ditch it? I have the number memorized, and that's just the ultimate convenience for me, at least in terms of online shopping.

I'm not worked up about it, as you say, i don't use it. don't like how it encourages people to borrow and then get trapped paying off exorbitant interest charges though

stevienixed: You can lead a man to temptation, but you need a joint bank account to keep him from drinking.

Yea, I didn't get one in college nor did I have student loans (massive scholarship + worked at a .com before school)

I hear being over 700 = you can get a home loan

When you have two household earners above 700, you can even afford a small condo in SF.

working on the wifey

Chase just have me a 'business' card with an obscene limit at like 7.99%.

http://i41.tinypic.com/er9y0x.png

lol Tom said "rockin"

libcrypt that doesn't seem to work. url please.

(J/K)

I received a letter in the mail today from my credit card company containing an amendment to my original agreement. By doing nothing, I was acknowledging that I understood the agreement and agreed to it. Buried in the amendment was a provision stating that by accepting the new amendment, I waive all rights to a trial by jury in the case of any lawsuit with the credit card company.

sketchy.jpg

you're gonna be the fall guy.

"CAn I help you find something!?" "No, I'm just looking for a place to urinate. I think this cardigan will do."

― Mike Hanle y, Monday, August 6, 2001 8:00 PM (8 years ago) Bookmark Suggest Ban Permalink

3 cards of mine, swallowed unaccountably by ATMs inside one week, including the replacement card for the first swallowing, all on machines used successfully by other people just before me

odd

i hope you did not waive your right to trial by jury!!

we all know how that usually works out

Well, so far, I have done nothing...which means that I've waived my right to trial by jury!

Only by canceling my credit card can I regain my right to a trial by jury in the event of a lawsuit with them, which would become much more unlikely after canceling!

You may not punch me in the face. However, if you leave the room and never come close to me again, you may punch me in the face. Deal?

lol yeah i was just sitting here thinking, "did i waive my right to trial by jury? when i get that notice can i call them and say i don't want to waive it?" then i realized, what a joke. you can't even try not waiving it just to see what would happen! it's like they don't value their customers at all

I think if you decline the change in terms, you get to keep the card at current terms until it expires and then any balance is due in full, it's not just cancelled on the spot. Citi tried a big rate hike with my business Visa, but I'd just gotten my new card with an expiration date four years down the road, so I confirmed the new expiration date and then told them to eat their change in terms with a side order of fuck-you. Got my balance paid off over the next year and I have about 20 more months at the old rate.

These credit card companies, I'll tell you what - they're nice as heck

I think if you decline the change in terms, you get to keep the card at current terms until it expires and then any balance is due in full, it's not just cancelled on the spot.

Depends on the company, but on all mine if I declined the change, the account was closed so no new charges allowed and was due in full at the expiration (or immediately). Almost all the major companies have changed to the arbitration/no trial terms over the past 2 years.

Maintaining a balance on any credit card, as opposed to paying off in full each month, has always been and always will be a chump's game. Ignore the financial "experts" who constantly tell you that paying off will hurt your credit score. Fuck that noise.

If you are obviously a sound and no risk for default banks will loan. If they don't make the loan then it is because they are losing their nerve, not because you failed to go deep enough in hock.

I always pay my balance off in full at the end of each month and they just tempt me by raising my limits more and more

When you realize what would happen if you used that credit and had to pay 20% interest on it, it becomes less of a temptation, fer sure.

Wait, if you agree to waive yr right to a trial by jury wouldnt the reverse hold true and mean THEY cant sue you for unpaid debts? Or am I completely misunderstanding the point of this clause (I prob am).

no, they can still sue you and you can sue them but it goes to arbitration

because they know juries are made of real people who hate them lol