Staci

So here’s my motivation.

#1. I owe Chase nothing and therefore should be thrilled that my connection (via Credit Card) is now over with that unscrupulous corporation/bank.

#2. Lesson’s learned: Pay off your debt by the best means available to you (which I am grateful that I am able to do so). Do not live beyond your means (Put the credit cards away, if you don’t need it, don’t buy it, and if you can’t pay for it with cash, then just forget about it).

#3. Credit Unions. Thank goodness for sanity! Yes, Credit Unions still have rules, fees and standards, such as checking out your credit score before letting you in. But they are not out to tear the flesh out of your back at any moment that they get (as many banks do). Their fees are minimal, much more reasonable and pretty much just there to cover the expenses put on them by other companies (such as VISA). If you happen to unfortunately screw up an account of yours that you have with them, it will not cost you an arm nor leg. Credit Unions think long-term, they are built for the people. Unlike many banks that have been run for short-term profits by short-sighted and illogical, self-lying, yacht-club executives.

#4. Credit Unions offer credit cards! Not that this is necessarily a great thing, but at least you have the *option* to get a credit card from an institution that will not immediately engorge itself upon your financial flesh through absurd fees and outrageous interest (all the while regurgitating your blood, sweat, and tears into the pockets of the self-lying yacht-club executives).

#5. Wisdom is knowledge tempered by experience. Don’t forget what you have learned about this world that we live in over the last few years. Give your past plights some meaning by making yourself stronger for the future. And remember to teach your children about it (yes, it’s called parental responsibility), through your living example and words, that is if you decide to have children.

#6. Once again: Don’t forget and teach those that you love about it. Teach them before they suffer from the ignorance.

#7. Don’t forget. (Turn the T.V. off tonight)

So here’s my WTF for 2009: (My motivation follows afterwards)

This July 2009, without warning or question, Ch@se Bank closed my credit card that was transferred over to them from the failed W@shington Mutual B@nk. I had never been late in payments and always paid more than the minimum to both Ch@se and W@mu. Not a big surprise though, considering that W@mu had dropped my credit limit drastically (by 95%, after I paid off the entire balance at once) just before they went under to Ch@se. So now the f^c&-*v#r is complete with $h!+-@ss Ch@se closing-out the remaining amount of clear credit that has been paid off with them (and has been paid off for awhile now).

Their (Chase) reason for closing my account? “Your debt-to-credit levels are too high on all your other cards” (Chase). Oh, Really? What a lame excuse. Ok, so even though I have a good credit score near 700, you (Chase) decide to f^c& it over for your own loser-sake by increasing my debt-to-credit ratio by lowering the amount of open available credit that I have by closing out a paid-off card of mine! What a bunch of two-faced losers!

Thank goodness that I no longer have any direct involvement with any deceitful bank. (Direct? What do you mean by that? Well, did or did not your tax dollars bail out a bunch of back-stabbing banks including J.P. Morgan Ch@se?) How can I know and say this for sure? I am a Credit Union member, and I will never go back to banks. And I will never accept any type of credit card from any type of bank in the future. NEVER. Banks have the credit-house rigged, it is not designed for you or me, and the bank system will have no problem bending the laws, continuing to make their own rules, and raping your entire family of every dime that you have until the dust of you and your families bones has no value left. Many banks are nothing less than rude, cold-hearted, sick-minded, & short-sighted criminals leaving the world with nothing except more garbage, misery, and disease.

And I am not alone in these facts and feelings of injustice: