Guests - If You want access to member only forums on FM. You will gain access only when you Sign-in or Sign-Up on Fishing Minnesota.

It's easy - LOOK UPPER right menu.

  • Announcements

    • Rick

      Members Only Fluid Forum View   08/08/2017

      Fluid forum view allows members only to get right to the meat of this community; the topics. You can toggle between your preferred forum view just below to the left on the main forum entrance. You will see three icons. Try them out and see what you prefer.   Fluid view allows you, if you are a signed up member, to see the newest topic posts in either all forums (select none or all) or in just your favorite forums (select the ones you want to see when you come to Fishing Minnesota). It keeps and in real time with respect to Topic posts and lets YOU SELECT YOUR FAVORITE FORUMS. It can make things fun and easy. This is especially true for less experienced visitors raised on social media. If you, as a members want more specific topics, you can even select a single forum to view. Let us take a look at fluid view in action. We will then break it down and explain how it works in more detail.   The video shows the topic list and the forum filter box. As you can see, it is easy to change the topic list by changing the selected forums. This view replaces the traditional list of categories and forums.   Of course, members only can change the view to better suit your way of browsing.   You will notice a “grid” option. We have moved the grid forum theme setting into the main forum settings. This makes it an option for members only to choose. This screenshot also shows the removal of the forum breadcrumb in fluid view mode. Fluid view remembers your last forum selection so you don’t lose your place when you go back to the listing. The benefit of this feature is easy to see. It removes a potential barrier of entry for members only. It puts the spotlight on topics themselves, and not the hierarchical forum structure. You as a member will enjoy viewing many forums at once and switching between them without leaving the page. We hope that fluid view, the new functionality is an asset that you enjoy .
Sign in to follow this  
smilee_54

credit cards rant

Recommended Posts

smilee_54    0
smilee_54

anyone have any issues with any credit card companys. I just got a new bill today and they jacked my rate two almost three times the rate. I called them and asked them why they jacked it even though I havn't ever been late with them. All they said is that something has changed in my credit history. I went and ordered a credit history and nothing has changed in a long time. I will admit that I was late on a few cards but brought them up to date when we realized that we forgot to pay them. The person said that they look at all my credit history and determine the rate. Is that Right???? can they do that? seems wrong to me. Called and talked to them. Did seem to get anywhere with them

Share this post


Link to post
Share on other sites
cold one sd    0
cold one sd

Shred their card. If nothing else, it will make ya feel good. wink.gif

Share this post


Link to post
Share on other sites
Powerstroke    20
Powerstroke

Depends on how late the payments were. If they were more than 30days late than that will end up on your credit report. Usually they are updated quarterly.

Even if they weren't more than 30 days late, they may have seen a pattern of several late fees at once and decided that was alarming. Unfortunatly there are many many reasons they could've messed with your rate.

I would request a written statement detailing the reason for changing your rate and when it became effective.

If you don't like it close the account. Look for a new card, maybe something with a 0% balance transfer and a good base rate once the offer expires. Pay the old card off and pay off the current balance as fast as you can.

Share this post


Link to post
Share on other sites
Bobby Bass    70
Bobby Bass

There are cards out there that state in there fine print that they can default there card if you make late payments to other cards. By making a late payment you can trigger there clause. Needless to say you want to stay away from these cards and if you do have them make every effort to pay off the balance. This was a hot topic just a few months ago around christmas time with credit cards and shopping.

Share this post


Link to post
Share on other sites
trackerbrent    0
trackerbrent

Here is what you do, pay credit cards off every month and you will not have to worry about what the interest rate is. I have yet to pay a penny of interest or late fees in my 12 years of having cards, with putting myself through college. If you know you can not afford it when the bill arrives, do not buy it. Simple. Only things you should finance is houses and new vehicles, rates are cheap on new vehicles and you can deduct home interest. All toys in cash. Sorry, I am ranting also.

Share this post


Link to post
Share on other sites
McGurk    1
McGurk

With talk like that you'll be putting places like Citigroup out of business and ruining the American Dream! Can't afford it, charge it!

A recovering charge-aholic here, and have finally learned my lesson to not carry a balance. Feels pretty good when you get there; it's hard but it's worth it! Going on 2 years interest free and loving it.

Share this post


Link to post
Share on other sites
Whoaru99    0
Whoaru99

Yup, someone hit the nail on the head. Almost all credit cards now have fine print that says if you are late on any payment to anyone, not just them, they can raise your rate.

All this information is tied together so even things like your insurance policy rates, etc., can be set according to your credit history.

They used to cut some slack every now and then, but from what I've seen, more and more are really black and white "by the book" on payments, late fees, etc.

It almost seems to me that that credit card companies are retaliating on consumers each time the government tries to tighten up the legalities of their credit practices.

Share this post


Link to post
Share on other sites
Bassboy1645    0
Bassboy1645

Ok related questions. I bank through tcf and I have a visa debit card. I thought transactions via electronics were supposed to be fast?? I do everthign in my power to keep tabs of what I got left in my checkings. Sometime i get down to about 30 or 40 doallars left and the next day I get informed that my card dosent work for simple purchases. Turns out an item I paid for three months ago "comes through" and over drafts my account. Any other problems like this??? confused.gif

Share this post


Link to post
Share on other sites
sparcebag    1
sparcebag

I have 4-5 cards,If you read the fine print,it states any late payment,over credit charge,and some other mumbo jumbo,they have the right to charge a penilty fee and raise interest to there max!I pay it off monthly too avoid all the extra fine print rules.And its not 30 days late its after 5PM of the due date.I just last week made a payment on line cause I knew the mail may not be there in 3 days,I hate those pay dates close to the first I have only one all the others are midmonth so I forget that one,I try not to use it because of that. mad.gif If you read all your cards they say late payment,overcharge,etc.on any card they have the right to charge and raise interest even if the other card has nothing to do with them.

Share this post


Link to post
Share on other sites
fisherdog19    1
fisherdog19

As a mortgage lender, a big part of my job is knowing how to read, and understand credit reports and their history. Unless you are over 30 days late on any account, your credit report will not show it. A credit card company has no way of knowing that you may have been 5 days late, and incurred a late charge on any other credit account but the one you hold with them. So, if you say you've never been late on that credit card account, and haven't had any 30+ day lates on any other credit or loan accounts, they probably just jacked your rate. I had the same issue with a Wells F. unsecured line of credit. I got a letter one day saying that they raised my rate by over 2% because of our "credit history", which was a bunch of BS. My wife and I still have immaculate credit. I closed the account the next day by paying it off with a line I got at another bank in which the rate was 3.5% lower. There is a huge problem in this country with credit accounts, how they are run, and how easily they are handed out. Until the Fed's step in and require some type of approval that requires documentation for credit card accounts, our country will remain one in which many of its citizens live on credit, and are in debt up to thier eyeballs.

Share this post


Link to post
Share on other sites
traveler    1
traveler

Good stuff fisherdog. A couple things; I have one CC I use for almost everything, business, personal...and pay it off monthly, NO MATTER WHAT, even if I had to take money out of the credit union to do it. I earn tons of free airmiles, and have an itemized record of everything at years end for taxes. Works great, and because I own my own small business, I funnel enough money thru it that they treat me really well, even tho' they can easily see I never pay them a dime of interest. I've been close to my due date a couple times and simply called and asked for a few days and each time they've said OK, waived any penalty and pushed my due date back a week. Great customer service, but you have to communicate. I do have a couple other cards; Cabelas, etc...which I use infrequently for purchases I'm not sure will be paid off immediatly. I even have 2 car "loans" on cc's, at 2.9 % life of the loan. The great thing about those, apart from the interest rate, is they allow me flexibility in the amount I pay each month, according to the changes in income us self employed folks often experience. I can't recommend doing that unless you have other assets, in case something happened that you couldn't make the payments...they would jack those rates (according to the fine print) waaaay up if payments were missed, so it's important to have backup. The whole credit thing is great if you learn how to use it, keep abreast of whats on your credit report, and communicate with the companies. Otherwise, stay away...

Share this post


Link to post
Share on other sites
slipperybob    0
slipperybob

Thing is that financial institutions may raise rates and all they end up doing is sending you a letter saying that they've raised the interest rates on your card. The other thing I hate is that sponsorship may change too. I had a Gander Mountain's MC and then two months later, no more Gander Sponsorship. There goes all my Gander points. another thing with Cabela's Card. I haven't used it in about two years. They haven't had something that I wanted, so they up and closed my account. There goes all those Cabela points too. What do they do? Send me a letter in the mail. On top of everything, recently CC across the board have all up their rates. So how do I go from 7.9 to 9.9 to finally 12.9 now over the years? And that's their best rate given to me. It's silly that I'll have to open a new account or make a balance transfer to get a promotional rate. Why do I need to play that game?

Share this post


Link to post
Share on other sites
ZapBranigan    0
ZapBranigan

For sure, Sounds more like an introductory rate just ended but who knows. You guys who think that just paying a card on time every month will sheild you from any interest will get arude awakening soon. CC are going to a Averge Daily Rate. Ive seen this already being used. They can calculate an avg interest for everyday you owe them mony and they can weight it heavier in the front of the monthly cycle. So you will not get free money borrowing much longer. So watch your rules and read all the junk they send you in between. And be prepared to switch cards when they tilt the rules too heavy.

Share this post


Link to post
Share on other sites
McGurk    1
McGurk

Can't be any worse than the inactivity fee that will be applied on "emergency cards." Front side, Back side, Side side, they get you one way or the other.

Share this post


Link to post
Share on other sites
luckey    0
luckey

I also pay off any CC bills monthly. Last month I use a Sears CC to pay for a zero turn radius mower. They had a deal going for either 0 down, 0 intrest untill Jan 08 or 5% rebate. I took the 5% ($150.00). I checked the rate on the card. Get this, 32.5%! Yes, that's 32.5% on the CC at Sears. I have never had any credit related issues.

Share this post


Link to post
Share on other sites
slipperybob    0
slipperybob

Quote:

For sure, Sounds more like an introductory rate just ended but who knows. You guys who think that just paying a card on time every month will sheild you from any interest will get arude awakening soon. CC are going to a Averge Daily Rate. Ive seen this already being used. They can calculate an avg interest for everyday you owe them mony and they can weight it heavier in the front of the monthly cycle. So you will not get free money borrowing much longer. So watch your rules and read all the junk they send you in between. And be prepared to switch cards when they tilt the rules too heavy.


It's not anything to do with introductory rates. These are rate adjustments (hikes) after like 7-8 years of opening the account. Most introductory rates have the sell point on cash advancements or balance transfers. Many financial institutions are already using an average daily balance on your CC accounts. The average daily rate is nothing new to them. It's the same as daily compounded interest, only you're the one being charged the interest. In most instances when they change rules of how they charge interest or fees or whatever, they also send it out mail as required by law now about annual priviacy policy. It's there if you take the time to read the changes made to an existing account.

Share this post


Link to post
Share on other sites
Guest
This topic is now closed to further replies.
Sign in to follow this  



  • Posts

    • JBMasterAngler
      Trip didn't go as planned. I had been asking some questions on here to get some info/ideas for the trip. Greatly appreciated all the stuff you guys shared with me. Unfortunately most of it wasn't in the plans  Camped at fall lake, as this was the first time my wife tagged along in a few years, and I thought his would be the most family friendly. After getting setup on Sunday, I launched the boat and goofed around for a bit, but didn't catch anything. My daughter was using worms, and she didn't even get a nibble. Is there not much for bass in fall?   Monday we had to spend some unexpected time in town, making certain purchases. Made it to snowbank late. Trolled for lakers, but only marked ciscoes. Once we started fishing for bass, we caught a few, but then the rain fell. Had it just been me and the 2 older kids, we could have fished through it. But with my wife and the youngest, it wasn't going to happen!   Pretty much the same thing happened on Tuesday. Went to burntside, but the lake was too windy. Went back to town, let the kids play at the park, then had lunch at the boathouse (I highly recommend the motorboat burger). Then we decided to keep it close and simple, and went to miner's pit. Weather got the best of us again. At least this time, my wife caught a few fish. No trout though.   Sometimes there's more to camping trips than good fishing though. We still had lots of fun, and I'm already making some notes for my next Ely trip, which I don't even know when will happen.
    • CigarGuy
      Tommy, can tell by your posts and photos that your dogs are very special to you and Bonnie.  I shed a tear or two while reading this.  I got a kick out of you telling me here after I saw you driving through Cloquet a couple years ago.  You saw my dog riding co-pilot and you mentioned that you also had a dog in the passenger seat (can't remember which one) and Bonnie in the back seat riding with the other dogs.  Good Stuff! Take care, Bill
    • TomWehler
      I pop in here a few times lately for some humor for myself, it is hard to do. No, very hard to do...but this sight makes me smile sometimes so here ya go...FYI.   Moe Rock passed August 14th  ~  4 days before what would have been his 11th birthday.
      He was our rock in many ways and was one of the smartest retrievers we have ever had in our family in 30 some years.
      If you knew Moe Rock you can understand, remember. He was so strong an fought the cancer just over FOUR MONTHS....
      Pills n tests an more pills an more tests...until well CANCER SUCKS.
      In the end the cancer wins no matter how hard he fought or how hard his TEAM fought with him and for him. Bonnie an I, the special vets an techs at Osceola Animal hospital and the top doc's, students and assistants and at the U of M vet center tried very hard and long to help him in his battle. He never changed, stood tall an strong, bright eyes an devilish smile.
      Truth is we only stayed a couple steps ahead of the cancer that took him that day at 5 PM.
      He was strong right up until he passed with Bonnie an myself holding his paws an making his passing go easy. Bother Polar Bear Boy looking on also.
      Don't make any of this easy saying this, but he was not doing good at 5 am Sunday morning as that cancer stuff just jumped him good this weekend an well,  he lost.
      We never gave in, nor did he. This weekend at the cabin he tried to enjoy himself, DID enjoy it all.  He swam, couple dock jumps, we fished morning runs an sunset, did boat rides, worked on some shore n boat small projects an ate pretty dang well. He was fine until bedtime when we knew an HE knew something was happening.
      Not good. CANCER SUCKS!
      We had a great time, Moe only showing to Bonnie an myself an his Brother Polar Bear Boy he was not feeling to good in the evenings the last week. Very sad. Never forget Moe Rock or his up north name of NoMoeToe given to him by long time guest in my boat from Capser Wyoming the late Mary Cob and his Chisago City area name the Fire Chief gave him of ThreeToeMoe. He was not only special to me but to a host of people in this area an on or around Lake Vermilion for his whole life.
      Good boy, darn good boy. One regret is not everyone that knows of Moe or knows him only online did not get to meet him in person.
      You would have enjoyed him in many ways as we all did.
      Loveable, big nut, sweet, smart, goofy, odd and a total tick that like to start fights with this brothers an then leave them to settle it while he went an ate their food or got best seat on casting deck my big black boat.
      Yup, Moe Rock was a Tick.   Any way....very sad are we, but he fought like tuff darts, a good long fight.
      Never whined a bit, did as was asked an stayed pretty much himself the whole time until that Sunday morning really.
      Not once showing anyone not in family he was sick, real sick. Still loved his truck rides, belly rubs, swimming his pool, wratling with me n Bear, watching TV, Playing on Kendel or computer with Bonnie an just plain being Moe to his brother Bear Boy...big smiles. Fishing, how he love3d fishen...mostly topwater of any kind, but he would go with me anytime, anytime....true fish hound was he, our sweet Moezy.
      I did not tell anyone about Moe rock but Mom Joanne as figured he might kick cancer to the curb an well..........
      Never gave up hope but most times cancer wins in retriever hounds, even our sweet Moe Rock.
      PEACE!
      Very Sad. Now running with his fellow Mallard Island Marauders that crossed over before him, Barney Toonder, Homer J., Bailey, Beckey, Buddy.....plus Jack n Ev the Kats.
      Some good party.....good food, big smiles and all that go with them....all very special. Lov ya Moe......I miss you my boy....rest easy until we meet again.   Keep on rocken!   Tommy
    • redlabguy
      W-W, and what kind of bottom, rocks? Dick
    • curt quesnell
      Here is the latest....it is changing quite a bit and the water is cooling off.  Check it out while you make your plan for Labor Day    
    • curt quesnell
      I have a few spots that I check but if you just go slow and keep your eye on the depth finder the schools of fish are scattered everywhere.  If you see fish, you will catch em  
    • Rick G
      One from Sunday
    • Cliff Wagenbach
      Fish Lake Baits in Harris had some nice large leeches a couple of weeks ago. Cliff
    • Cliff Wagenbach
      W-W, What time of the day was best? Cliff
    • city slicker
      After 4 days on a Rainy lake houseboat we managed a walleye fry 3 nights. They where on the deeper mid lake reefs which is no secret, but they wanted minnows. That was the hard part, finding bigger minnows. To my surprise I was able to land a few each afternoon on 5" plastic rigged. 2 boats, 6 people, 47 eyes where clicked biggest 24", smallest 6" and every stop in between. We did fish some bays and the pike were willing to play!city