How many of you are getting screwed...

[mdwyer]

Anyone else using mint.com?

It's amazing, free, and they give you credit card recommendations, based on your current rates. I love it!

Mint scares the hell out of me. I'm so uncomfortable with giving a third party access to all my banking account logins.

Still... despite that, i tried them. They don't yet support my little hometown bank, so I can't get anywhere with them, yet.

[KeithVXlvr]

I do not know what my APR is becaue I pay it off every month. Crazy, I know.

How the heck can you let the balance roll and get hammered like that ??? It is like throwing money away.

I have one card that gets miles and I pay it off every month so, the APR doesn't even matter. And if you get caught in a bad spell, you can call them and tell them you are going elswhere unless they lower the rate.

[taylorRichie]

Mint scares the hell out of me. I'm so uncomfortable with giving a third party access to all my banking account logins.

Still... despite that, i tried them. They don't yet support my little hometown bank, so I can't get anywhere with them, yet.

I was too... but if you do any kind of search for them they've won a million awards, and I haven't found any negative press on them (relating to identity fraud) I love the at-a-glance approach to every account I have, including investment accounts.

If they built in a bill pay system I'd have no reason to log in to my bank account ever.

[PittVXr]

Citibank tried that little trick on me last month. One phone call got my APR back down to where it was. I have had an account with them for close to 15 years now and this is the first time I can remember my interest rate taking a huge jump. I guess they figure that most Americans don't even bother to read their statement when it comes in the mail. They just mail in the minimum payment and stretch their debt out for another month.

I was actually surprised that they lowered it with no argument. I guess sometimes all you gotta do is ask.

[mdwyer]

I was actually surprised that they lowered it with no argument. I guess sometimes all you gotta do is ask.

Well, I called up Citi a few hours ago and asked to close my account. I almost lost it when they ran me through the retention process.

"You're a valuable customer! Why are you leaving us?"

"Funny you should ask, since you're they one closing my account."

The woman I talked to was very nice, at least. She asked why I stopped using the card, and offered up a couple of options to keep me as a customer -- like a new points plan, and cutting the APR by 20%! I'd been a customer for 14 years!

I'm probably going to regret it, but I was just too pissed at them. It bothers me too much that they leave me hanging for five years or more, threaten to close my account, then suddenly they want to be my friend when I try to close the account under my own terms. I just refuse to do business with companies that insult me like that... not when I have a choice, at least.

Companies like Comcast and Ticketmaster are still able to screw me because of their monopoly. But I see no reason to put up with a company that doesn't care about me. Sprint, for all their failings, at least appreciates that I have a good history with them.

Argh!

Still, it says a lot towards what PittVX was saying: If you actually call up and ask, you might be suprised at just how willing they might be to keep you.

[kodiak]

This will explain everything.
http://www.youtube.com/watch?v=O_TjBNjc9Bo