The necessary evil these days are credit cards. If you don’t carry plastic you are severely limited in what you can buy. I won’t rant about how “big brother” and his ability to see everything you do if you use plastic, but think about it. Anyway, I was checking my statement online and I noticed this message.
Because of the careful way you manage your account the minimum payment due on this statement has been reduced to $10.00. If you prefer to pay your regular minimum amount due, it is $20.00. Please remember finance charges will accrue as usual. Thank you.
Those bastards. You see I never carry a balance on my cards, I refuse to pay interest on something, anything. If I can’t pay for it in full, I don’t need it. So I see this message and give it some thought for a moment. They want to lower my monthly payment so I will keep a balance so they can make money on me. It is funny what these card companies will do. Another one of my credit cards I carry recently mailed me a nice letter from some a-hole in marketing telling me about the benefits of my card and what it can do for me. Well, that was desperation because I only use that card about three times a year (and again don’t carry a balance on it). It’s 2% cash back is a joke, only after you spend thousands of dollars do you get 2% back on purchases, and even then you need to accumulate over $20 before they pay you. Don’t spam me with false promises and phony marketing ploys. Give me a straight-up 2% off on EVERYTHING I purchase, then we can talk about “what my card can do for me”. Jerks!
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