And a bank rant, too :)

If it's just a plain charge card… no miles or cash back etc.,  I'd just stop using the old cards and set up an account with a new bank.  If you carry a balanc just continue to pay off the old card then cancel the account when the balance is zero.

Jerry

If it's just a plain charge card… no miles or cash back etc.,  I'd just stop using the old cards and set up an account with a new bank.  If you carry a balanc just continue to pay off the old card then cancel the account when the balance is zero.

Jerry

Oh man, this crap is such a waste of people's time and a bunch of bullshit, kind of like denial for treatments like the health insurance company does.  They figure even if a small percentage of people go "Awe shucks" and just buys into it, what have they got to lose? Just tell the bank that wants to charge you for the card that you would like to withdraw everything you have in your account and go elsewhere.  The retard teller will then go get the manager, come out and they will tell you that since you are a good customer they will give you a "one time credit" same line used by my credit card companies, everytime I catch them with their bullshit charges-they tried to charge me a $45 fee for my reservations in Europe, which I never even went on.  Without skipping a beat, I told them to cancel the card.  Magically, the fee was wavered for "a one time credit".  Same thing for cell phones, cable company etc.

As for the mortgage, throughout the lifetime of your loan, the paperwork changes hands about 3 times/year banks buy and sell these things like kids trading baseball cards.  Gripe about it until they give in.  The only reason for the $100 charge is all of the foreclosures that are happening to them-they are losing money.  In the past, they would have given you a new mortgage at a lower rate, under a new name.  Unfortunately this is the only way left for banks to make money. 

Oh man, this crap is such a waste of people's time and a bunch of bullshit, kind of like denial for treatments like the health insurance company does.  They figure even if a small percentage of people go "Awe shucks" and just buys into it, what have they got to lose? Just tell the bank that wants to charge you for the card that you would like to withdraw everything you have in your account and go elsewhere.  The retard teller will then go get the manager, come out and they will tell you that since you are a good customer they will give you a "one time credit" same line used by my credit card companies, everytime I catch them with their bullshit charges-they tried to charge me a $45 fee for my reservations in Europe, which I never even went on.  Without skipping a beat, I told them to cancel the card.  Magically, the fee was wavered for "a one time credit".  Same thing for cell phones, cable company etc.

As for the mortgage, throughout the lifetime of your loan, the paperwork changes hands about 3 times/year banks buy and sell these things like kids trading baseball cards.  Gripe about it until they give in.  The only reason for the $100 charge is all of the foreclosures that are happening to them-they are losing money.  In the past, they would have given you a new mortgage at a lower rate, under a new name.  Unfortunately this is the only way left for banks to make money. 

I totally agree with john! it's bullshit.

I've never had someone push it when I told them I wouldn't pay such fees.

I totally agree with john! it's bullshit.

I've never had someone push it when I told them I wouldn't pay such fees.

Well, Cyn, if your manly husband went in, I'm sure they'd backtrack. We frail-minded women should just do as we're told, and stop making such a fuss all the damn time. Troublemaker.

Well, Cyn, if your manly husband went in, I'm sure they'd backtrack. We frail-minded women should just do as we're told, and stop making such a fuss all the damn time. Troublemaker.

Keep your own name!

Keep your own name!