Tuesday, November 22, 2011

Dear Bank that just cut my credit limit by 75%


I thought I knew you. I thought that, because I've dealt with you and you many fine offerings of loans, mortgages, and insurance over the years and have happily availed myself of them for a very long time to what I would like to think is our mutual benefit, you would at least give a sister a shout-out before pulling the financial noose a little too snug for comfort.

I thought that because I didn't carry a balance on your credit card, and because, in fact, you right now OWE ME 20 bucks because I overpaid a month or so ago, that you would look kindly upon me as a responsible citizen and one of your best customers, who should be allowed access to a certain amount of credit if something should go horribly wrong, and not like someone who needs to have their hand slapped because of what some bimbo reporting agency has to say about me and who doesn't even know me.

I do, after all, hold a mortgage with you that I pay EXTRA on every month. I do, after all, insure my home with you. I do, after all, hold a credit card account with you that, as mentioned, carries a zero balance and has done for at least a year.

I thought that meant something.

But no.

I was wrong.

Because, based on what some BITCH named Experian told you, you no longer hold me in as high regard as you did. No matter that what that bitch told you is wrong on at least 2 of the 4 counts (what the fuck is 'level of delinquency on accounts' mean? I'm current on everything that I know of! And seriously, 'time since delinquency is 'too recent' or 'unknown' '? WHAT? If you don't know something for a fact, then you're just spreading rumors.).

Never mind that 'amounts owed on revolving accounts is too high.' Did you not notice that in the last year I've paid down that debt over 12 THOUSAND dollars? Did you? Do you now know how much sweat and sacrifice has gone into that paydown? Just look at my paltry savings account to know where my financial cushion has gone, it's right under your bloated corporate ass!

Never mind that 'proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high' - do you know why this is? I do - It's because another bank last year dropped my credit limit to exactly what I owed on it, therefore making it look like I was 100% in debt to them. No fighting that one either. Just nose to the grindstone, and pay out, pay out, pay out.

OK, bank. I know I owe too much on credit cards. I know I did it to myself. I know that financing not 1, but THREE moves and new households on you and your kin was a lot to ask. At the time there was no choice. At the time I was in dire straights and needed to use you, and for that I suppose I should be sorry. Nobody should ever feel like they've been used, I suppose. I know that carrying a LOT of debt on those cards isn't a good idea, and you can believe right now that I have woken up in a cold sweat more than once under the weight of that obligation, and even CHANGED JOBS to get more dough to hand back to you to get out from under, but you clearly haven't taken that into account nor have you noticed that YOUR card is at a zero balance and the others were decreased by 1) HALF and 2) a THIRD from last year.

By the way, assholes, I now make about 30K more a year than I did when you were handing out all that debt. I'd think that that, coupled with my decreased debt load overall, would make me a more attractive target for your cards, not a less attractive one. Also, notice just how much I've charged on you in the last 2 years. That's right, a big fat fucking nearly NOTHING. I have, in fact, paid down the debt on your revolving merry-go-round of grim despair, while also paying off 2 cars and buying another, WITH CASH (thanks to my wonderful husband Biff for the help with the car thing. You, I love). Irresponsible to do those things? That doesn't seem to be the case to me.

I have played your game, took the interest rate hits when I knew I deserved them, coughed up the cash time after time, and now you tell me that it wasn't enough, not nearly enough, not by a long shot, and you're through with me.

Thanks to you, my credit rating just took a nosedive. Thanks to you, I probably can't get a loan on a bad idea, much less anything of worth. Thanks to you, and that other bank that robbed me of creditworthiness, I now look like a total no-bill-paying douchenozzle who games the system and steals candy from babies.

I hate you, I hate all of you, I hate feeling powerless, I hate being stomped on like this.

So thanks for nothing, you soul-sucking beast. I thought I knew you, we had some respect, and that no matter what, that whole 'respect' thing you tout as a draw to your company was a real thing, and not just some wisp of advertising meant to what the appetite of the people hungry for a decent relationship with their bank.

Guess not.

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