Dear Sen. Bayh:
I am a 28 year old male with excellent credit and a FICO score above 700. I've been a loyal customer to Capital One for 5+ years now and have consistently paid my credit card bills on time and usually well over the minimum payment required. I originally had a rate of 7.9%. That shot up to 12.9% late last year. Capital One says that was due to "competition." Fine, I can understand that. But apparently in the last year I missed 2 payments by a few days and so they decided to increase my rate from 12.9 to 26%! That is ridiculous. I didn't notice that they did that until today, and I've been paying that finance charge for the past 3 months. I'm not a 26% risk. I've since called them and talked them down to a lower rate, but let's get real here. Capital One says it's "industry standard." They also told me that the rate jumps if the computer says so. That's inexcusable. If I, a successful person with an education and excellent credit is given a 26% rate on a whim, imagine what is happening to the less fortunate in our state and country. I'm asking you to clamp down on the special interests of the credit card industry and start writing legislation to regulate this out of control industry. In this time of credit crisis, we can ill afford to continue standing idly by while credit card companies dictate our financial lives. People NEED credit. They know this - and they misuse that to their advantage. Please help us with this issue.
Sincerely
Garth A Brazelton
5 comments:
Hello. This post is likeable, and your blog is very interesting, congratulations :-). I will add in my blogroll =). If possible gives a last there on my blog, it is about the Home Theater, I hope you enjoy. The address is http://home-theater-brasil.blogspot.com. A hug.
Hello. This post is likeable, and your blog is very interesting, congratulations :-). I will add in my blogroll =). If possible gives a last there on my blog, it is about the Impressora e Multifuncional, I hope you enjoy. The address is http://impressora-multifuncional.blogspot.com. A hug.
capital one "lost" my address after i made payments for three years...their customer service couldn't help me either...this is the poorest excuse for a company...i paid them off and now refuse to watch the capital one bowl and the name makes me ill...
If im in the situation of the owner of this blog. I dont know how to post this kind of topic. he has a nice idea.
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