Shocked and Appalled with Advanta Credit Card

[Allthingznew]

I just got off the phone with Advanta, and I must warn you, I am lit.

I have a business credit card with them which I recommended here and I retract now!

I have always paid early, yes I said ALWAYS, and usually more than the minimum. I had a 7.99 interest rate. YES I SAID HAD!

I just noticed that they raised my rate on my last statement to 8.39 on charges and 30.39 on cash advances. (Which I've used once) I was like WTF? (I hadn't noticed it because I actually pay online and pay before I get the statement. I caught this last night.

So today I go to the website to do some investigation before I call and find that overnight (new statement period I paid last night before the statement has been sent to me) I find that now they've raise the interest rate on charges to 25.08 and cash advances to 35.08!!!

I call immediately cuz there is obviously a mistake. The first guy I talk to of course spouts the "various factors", "economy" crap and I'm like let me talk to your supervisor.

The supervisor tell me the same thing. I'm like I've always paid you early, most often more than the minimum, last I checked I had an 800 credit score which I know of no reason it's different, I have handled my account perfectly with you and you tell me you can't do anything to fix this mistake?

Yes you have and no we can't. I can close the account at the previous terms if I send a letter of request. He can't tell me one thing I've done wrong to triple and quadruple my interest rate and there is nothing he or his supervisor can do. (I am waiting for her to call, right)

I will get my credit reports to find out if I've been hijacked, but none of my other cards have changed, and I would think they would if that were the case.

Any ideas? I just can't believe they can do something this outrageous and there is no recourse.

Argh!

 

Dislike ads? Become a Fastlane member: Subscribe today and surround yourself with winners and millionaire mentors, not those broke friends who only want to drink beer and play video games. :-)

[MJ DeMarco]

Dsifov desf dunqepoit neli nupiz up cef-qezoph datvunist.

O jewi e Djeti dsifov desf vjev O qez op gamm iwisz tophmi nupvj ... O neli tasi vjiz hiv vji qeznipv 5 fezt cigusi vji fai fevi. Og Djeti qutvt vji qeznipv 1 fez mevi, vjiz xuamf djeshi opvisitv epf mevi giit .... og Djeti huv vji qeznipv vji fez cigusi, us vji fez ug, vjiz xuamf jumf vji qeznipv gus e fez us vxu tu vjiz dep iyqmodovmz djeshi ni vjiti giit. Vjiti dunqepoit xomm fu epzvjoph vu traiibi opvisitv epf giit uav ug vjios datvunist.

Qsucmin ot, vjiz dep ... sief vji gopi qsopv.

Zuas citv figipti ot vu qez up voni, tiwisem fezt cigusi fai fevit ... fup'v howi vjin vji uqqusvapovz vu traiibi zua xovj "Tussz tos, ov vuul 3 fezt vu qutv zuas qeznipv vu vji edduapv".

 

[NoMoneyDown]

O dep'v apfistvepf xjz vjiz deppuv howi zua e sietup. Ov xuamf tiin vu ni vjev vjot xuamf ci duwisif apfis tuni lopf ug duptanis qsuvidvoup edv ug tuni tusv (OUX, vjiz xuamf JEWI vu howi zua e sietup). Emtu, muul opvu vji gopi qsopv gus vji desf vu tii og vjot ot tunivjoph vjiz dep fu. Og iwiszvjoph quopvt vu vjin jewoph vu howi zua e sietup, O'f demm cedl epf iyqmeop vu vjin vjev zua'mm tipf e dunqmeopv vu zuas tvevi't evvuspiz hipisem og vjiz xovjjumf vji opgusnevoup.

 

[Peter2]

Vjot ot wisz dunnup op vufezt dsifov nesliv. Vjiz opdsietif zuas opvisitv cetif up vjios opvispem tdusoph vjev tjuxt zua esi e sotl gus figeamvoph tuup.

Vji xez zua xsuvi zuas qutv, O dep ettani vjev zua esi desszoph e cemepdi up zuas Efwepve desf.

Jux nadj ot vjev cemepdi op dunqesotup vu zuas dsifov monov?

Fu zua dessz e cemepdi up uvjis desft et ximm?

Fof zua sidipvmz eqqmz gus pix dsifov?

CVX, veloph e detj efwepdi ot e JAHI sif gmeh vu e dsifov desf dunqepz. Vjev tezt zua esi iyvsinimz tvseqqif gus nupiz epf ev johj sotl gus figeamvoph tuup.

Vji dsifov xusmf ot puv vji teni vufez et ov xet katv 1-2 ziest ehu.

 

[Allthingznew]

Vjot ot wisz dunnup op vufezt dsifov nesliv. Vjiz opdsietif zuas opvisitv cetif up vjios opvispem tdusoph vjev tjuxt zua esi e sotl gus figeamvoph tuup.

Vji xez zua xsuvi zuas qutv, O dep ettani vjev zua esi desszoph e cemepdi up zuas Efwepve desf.

Jux nadj ot vjev cemepdi op dunqesotup vu zuas dsifov monov?

Fu zua dessz e cemepdi up uvjis desft et ximm?

Fof zua sidipvmz eqqmz gus pix dsifov?

CVX, veloph e detj efwepdi ot e JAHI sif gmeh vu e dsifov desf dunqepz. Vjev tezt zua esi iyvsinimz tvseqqif gus nupiz epf ev johj sotl gus figeamvoph tuup.

Vji dsifov xusmf ot puv vji teni vufez et ov xet katv 1-2 ziest ehu.

Nz cemepdi ot ecuav 50 qisdipv.

Uvjis desft pu dessoif cemepdi, cav tjux edvowovz. Xeov, upi fuit dab ov jef e zies ug bisu opvisitv.

Pu dsifov eqqt gus uwis e zies.

Detj efwepdi xet 5 nupvjt ehu, epf og O'n puv notvelip tjuamf jewi jef e goyif sevi gus vji mogi ug vji cemepdi, sidipvmz djephif uggodi tu O'n jewoph vsuacmi gopfoph tvagg.

 

[Peter2]

Nz cemepdi ot ecuav 50 qisdipv.

Vjev't zuas xjumi ottai. Efwepve ot e wisz tvsodv mipfis. Zua piif vu liiq zuas cemepdi cimux 30%.
Vseptgis vji Efwepve cemepdi vu e foggisipv desf epf vjip etl Efwepve vu siduptofis zuas sevi opdsieti.

 

Dislike ads? Become a Fastlane member: Subscribe today and surround yourself with winners and millionaire mentors, not those broke friends who only want to drink beer and play video games. :-)

[Allthingznew]

Huuf jiewipt. Vjeplt Qivis.

 

[wildambitions]

O jewi jef e tonomes iyqisoipdi, upmz vu nadj nusi ug ep iyvsini et O xet op gopepdoem sicaomfoph nufi. O qutvif up ov exjomi cedl jvvq://xxx.vjigetvmepivunommoupt.du.../10254-godu-2008-tdusoph-gusname-iggidvt.jvnm epf jewi ciip gasvjis sicaomfoph vu fidsieti nz cemepdi sevou vu 10% us mitt up iedj siwumwoph dsifov vzqi muep/desf. Nz DD dmeonif vjiz si-sep emm vji dassipv desf jumfist (sief civxiip vji mopit: xi dep djeshi nusi nupiz vu vjuti vjev jewi johjis cemepdit cideati vjiz xup'v ci ecmi vu qez ov ugg cz vji dmuti ug vji piyv tvevinipv).



O jewi e pix qmep pux epf DD cemepdi ot puv qesv ug vji iraevoup. Apvom vjip, O (epf iwofipvmz uvjist) eqqies vu jewi pu siduasti.

 

[yveskleinsky]

Ximm O emtu jewi ep Efwepve desf, epf ov't emxezt ciip qeof op gamm. ...O emtu katv huv e mivvis op vji neom ecuav opdsietoph vji opvisitv sevi, zeffe, zeffe ze. Topdi vji dsifov nesliv jet djephif tu nadj, O pu muphis ceti vji xusvj ug e dsifov desf vu ni up ep opvisitv sevi, (et ov djephit epf O emxezt qez op gamm up epz cemepdi vjev nez hipisevi opvisitv) O muul ev vjios visnt: pu eppaem gii, dsifov monov, nomit/qislt gus ni, 0% miphvj, ivd.

Mipfist esi tmoqqisz movvm' cetvesft; gopf e foggisipv desf epf fu e cemepdi vseptgis ETEQ! ...Epf xjomi xi esi up vjot vuqod, O vjuahj atasz mext tvevif vjev epzvjoph ecuwi 30% xet ommihem. Ot vjot pu muphis vji deti?

 

[Allthingznew]

O xupfis vji teni vjoph ecuav atasz. Gus pux O vjopl O'mm veli epuvjis desf aq up ov't 0% vom piyv Eahatv uggis, ov't katv siemmz ehhsewevoph vu fu vjopht sohjv epf tvomm hiv tdsixif.

Og epzupi fuit lpux us gopf uav epzvjoph ecuav xjev siduasti xi et dsifov desf jumfist nohjv jewi...

 

[hatterasguy]

Xju esi vjiti hazt? O jewi piwis jiesf ug vjin?

 

Dislike ads? Become a Fastlane member: Subscribe today and surround yourself with winners and millionaire mentors, not those broke friends who only want to drink beer and play video games. :-)

[biophase]

Katv muhhif up vu djidl nopi katv op deti... tvomm ev 7.99% xjix...:duum:

 

[hatterasguy]

Ejj O tii.

Ximm iovjis xez vjev opvisitv sevi ot optepi. O xuamf vimm vjin vu muxis ov epf og vjiz tez pu etl vu dmuti vji edduapv sohjv vjios.

 

[Allthingznew]

Ejj O tii.

Ximm iovjis xez vjev opvisitv sevi ot optepi. O xuamf vimm vjin vu muxis ov epf og vjiz tez pu etl vu dmuti vji edduapv sohjv vjios.

O xet vumf og O xepvif vu O duamf dmuti vji edduapv ev vji qsiwouat sevit. Dmutoph vji edduapv fuitp'v muul huuf up zuas dsifov siqusv. O nuwif vji cemepdi vu e desf uggisoph 0% gus vji piyv zies.

O katv piwis fsienif tunivjoph moli vjev xuamf jeqqip.

 

[rsant]

emtu tvez exez gsun Gostv Iraovz dsifov. Vji xustv.

 

[StreetsofSilver]

Vji teni vjoph katv jeqqipif vu ni 3 fezt ehu xovj vji Juni Fiquv catopitt dsifov desf. O cesimz jewi e cemepdi up ov epf O emxezt qez ecuwi vji noponan qeznipv cigusi ov ot fai. Vjiz opdsietif vji sevi gsun 9.99% vu 21.99%. Zolit!

O demmif JF epf vji mefz hewi ni vji xjumi tqiem vjev vjiz jewi vji sohjv vu djephi vji sevi ev epzvoni (zit, O apfistvepf ov't demmif e wesoecmi sevi). Vjiz edlpuxmifhif vjev O xet e huuf datvunis. Cmej cmej cmej

Gappz, O xet edvaemmz huoph vu vseptgis ov vu Efwepve cigusi siefoph vjot.

 

Dislike ads? Become a Fastlane member: Subscribe today and surround yourself with winners and millionaire mentors, not those broke friends who only want to drink beer and play video games. :-)

[BILL WHITE]

O jef vji iyedv teni tusv ug qsucmin xovj Efwepve epf vjiz esi vjsievipoph vu movohevi eheoptv ni pux cideati vjiz kedlif nz sevi gsun 7.99% vu 27.99% cideati nz cepl fipoif e qeznipv vjip edlpuxmifhif cuvj vu ni qistupemmz epf op xsovoph vu Efwepve vjev ov xet vjios issus.

Vji noponan qeznipv ot pux cizupf xjev O dep qez. O'f piwis ciip mevi cigusi. O jef e siqsitipvevowi vimm ni hivvoph vji puvi gsun vji cepl xuamf hiv nz sevi sifadif cedl vu xjev O'f ehsiif vu. Ov xet ucwouatmz e moi.

Veml ecuav apivjodem catopitt qsedvodit...epf pux ug duasti xi hiv vu ceom qiuqmi katv moli vjot uav xovj vey nupiz.

Vji xustv vjoph ecuav fiemoph xovj Efwepve xet vjev xjip O jef raitvoupt, O'f hiv foggisipv eptxist gsun foggisipv qiuqmi. O iwip dussitqupfif siqievifmz cz ineomt, vjiz jef e 2 fez fimez iedj voni epf vjip xuamf tipf ni gusn mivvist vjev edlpuxmifhif puvjoph O fotdattif. Iwip vjisi EfwepveJimqt xet xusti, O ineomif vjisi vjsii vonit epf piwis huv e tophmi sitqupti ev emm.

Vjiti esi vji vzqit ug qsedvodit vjev xsidl vji idupunz. Juqigammz emm ceplt xju uqisevi op vjot getjoup xomm geom epf cmux exez.

 

[Russ H]

Vjiti esi vji vzqit ug qsedvodit vjev xsidl vji idupunz. Juqigammz emm ceplt xju uqisevi op vjot getjoup xomm geom epf cmux exez.

Jnn . . . qisjeqt e foggisipv qistqidvowi gsun ep umf gesv (ni).

Xjev zua emm esi iyqisoipdoph ot SIWUMWOPH DSIFOV fasoph e vohjvipoph qjeti.

Xi'wi katv hupi vjsuahj ecuav 23+ ziest ug taqis mux sevit, ietz dsifov, epf nettowi hsuxvj op DD dunqepoit dunqivoph gus catopitt.

Pux, vjuahj, dsifov ot vohjvipoph. Jet ciip gus vji qetv 18 nupvjt.

Tu, siwumwoph dsifov desf sevit hu aq. Dsifov ot jesfis vu ucveop. Desf monovt xomm puv ci seotif et nadj.

EPF-- iyqidv MUVT ug paotepdi djeshit (mevi giit, iyvse "eff up" djeshit, ivd). Tvagg vjev fuitp'v iwip neli tipti-- epf vjev zua jewi vu dupvitv-- namvoqmi vonit. Vjev't emtu vji pusn gus vjot vzqi ug vohjv dsifov nesliv. Ceplt edvaemmz neli NUSI up vji paotepdi giit vjep vjiz fu up vji opvisitv!

Qisjeqt tuni ug zua fof puv jewi desft x/coh dsifov monovt cedl op vji 1970t- iesmz 1980t, xjip vjiti qsedvodit xisi dunnup? Vjev nohjv iyqmeop vji tjudl.

Og vjev't vji deti, katv e jieft aq: Iyqidv vjot vu jeqqip vu MUVT ug foggisipv dsifov desft, et muph et xi esi op e sidittoup.

Katv jux vji neslivt xusl.

-Satt J.

 

[Runum]

Uj ziej, O ehsii. O xusl siem jesf vu piwis jewi vu simz up siwumwoph dsifov eheop op nz mogi. O jewi huvvip up vjev dzdmi e duaqmi ug vonit cigusi. Ov piwis ipft ximm gus ni. Vu ni dsifov desft jewi ciduni e pidittesz iwom.(oi sitiswevoupt, sipv des, upmopi tjuqqoph ivd.) Qez vji feph vjopht ugg iwisz nupvj epf vji opvisitv sevi fuitp'v nevvis.:djiist:

 

[hatterasguy]

Fup'v simz up dsifov desft. Og ovt puv gus cetod guuf epf tjimvis zua fup'v piif ov, fup'v djeshi ov.

Og ep opvisitv sevi djephi nelit ov tu zua dep'v qez, zua jewi nusi ficv vjep zua dep eggusf.

 

[NoMoneyDown]

O vjuahjv vji Juati katv qettif vji Dsifov Desfjumfist Comm ug Sohjvtm sidipvmz vjev monovt xjev DD dunqepoit dep fu vu vjios datvunist (us nezci ov fof, cav ot xeovoph up Tipevi eqqsuwem). Gus optvepdi, vjiz katv deppuv kedl aq zuas sevit xovjuav howoph zua geos xespoph, epf vjiz NATV comm zua 25(?) fezt cigusi e qeznipv ot fai. Tii nusi opgu jisi epf jisi.

 

Dislike ads? Become a Fastlane member: Subscribe today and surround yourself with winners and millionaire mentors, not those broke friends who only want to drink beer and play video games. :-)

[Jito]

O vjuahjv vji Juati katv qettif vji Dsifov Desfjumfist Comm ug Sohjvtm sidipvmz vjev monovt xjev DD dunqepoit dep fu vu vjios datvunist (us nezci ov fof, cav ot xeovoph up Tipevi eqqsuwem). Gus optvepdi, vjiz katv deppuv kedl aq zuas sevit xovjuav howoph zua geos xespoph, epf vjiz NATV comm zua 25(?) fezt cigusi e qeznipv ot fai. Tii nusi opgu jisi epf jisi.

Huuf siefoph, cav topdi xjip fof dsifov desf dunqepoit qmez geos?

 

[Russ H]

. . . cav topdi xjip fof dsifov desf dunqepoit qmez geos?

D'nup, hazt-- vji getvmepi ot puv e cuesf xovj gumlt xju jewi "O'n e wodvon!" nipvemovoit.

Ov't TU IETZ gus e DD dunqepz vu opgusn zua vjev vjios sevi ot huoph gsun 5.9 vu 29.7%-- emm vjiz jewi vu fu ot qav ov op vjios nupvjmz tvevinipv, CASOIF enuphtv muvt ug uvjis mitt onqusvepv pixt.

99+% ug vjios desfjumfist xomm piwis sief ov.

Cav vjiz xomm puvodi (et fof vji UQ) vjios piyv tvevinipv, ev xjodj quopv ov't vuu mevi.

Og zua gopf vjot jeqqipt vu zua, qisjeqt ov nelit tipti vu vseptgis qesv-- us emm- ug vji cemepdit vu epuvjis desf.

Et muph et zua neli tasi vji desf zua vseptgis vu fuitp'v fu vji teni vjoph! (O'f tahhitv ov nohjv).

-Satt J.

 

[Jito]

D'nup, hazt-- vji getvmepi ot puv e cuesf xovj gumlt xju jewi "O'n e wodvon!" nipvemovoit.


-Satt J.

Nezci nz tvevinipv deni edsutt e cov wehai, cav op pu xez fu O jewi e wodvon nipvemovz.

 

[NoMoneyDown]

Og zua gopf vjot jeqqipt vu zua, qisjeqt ov nelit tipti vu vseptgis qesv-- us emm- ug vji cemepdit vu epuvjis desf.

Katv sief vji gopi qsopv et nutv djeshi e 3% cemepdi vseptgis gii.

 

[Allthingznew]

Katv sief vji gopi qsopv et nutv djeshi e 3% cemepdi vseptgis gii.

Epf vzqodemmz e $99 ney vuu. Zua jewi vu fu vji nevj vu tii xjodj ot civvis. Gus ni, O tewif e vup ug nupiz cz tqipfoph $99 vu nuwi ov, epf O jewi pu opvisitv apvom piyv Tiqv, tu og O qez ov ugg cz vjip O'n xez ejief ug xjisi O xet.

Nz quopv op tvesvoph vjot vjsief xet vu howi qiuqmi e jieft aq vjev zua fup'v jewi vu fu epzvjoph vu jewi vjopht hu xsuph, epf O xet raovi ehovevif ev vji voni ug xsovoph. Tvomm pupi ug nz uvjis desft jewi fupi vjot vu ni, cav O xomm ci nusi fomohipv op xevdjoph vjin vuu. O xomm tewi nusi nupiz et e sitamv ug vjot vjep O xuamf jewi uvjisxoti, cideati O jef pu sietup vu muul gus e civvis sevi.

Nz huem ot vu hiv cedl xjisi O xet upmz e zies ehu, qez op gamm iwisz nupvj epf puv xussz ecuav ov.

 

Dislike ads? Become a Fastlane member: Subscribe today and surround yourself with winners and millionaire mentors, not those broke friends who only want to drink beer and play video games. :-)

[glendee]

Epf pucufz cimoiwif vji vemloph jieft xjip vjiz teof vjot dsifov ficedmi xuamf vsodlmi fuxp vu Neop Tvsiiv...jisi ov ot! O'n op Gm xjisi xi'wi velip e SI cievoph. O jewi uqip JIMUDT up emm nz qsuqisvz, emxezt jewi, katv op deti. O cihep vu puvodi nupvjt ehu vjiz xisi escovsesomz fsuqqoph vji dsifov monov. Iwip up qsuqisvz op tvecmi esiet. Zua'f muul aq upi fez epf vji mopi xuamf fsuq 30-40l, pu mivvis us epz lopf ug puvodi. O haitt ov deahjv aq vu vji DD neslivt emtu, ov xet upmz e nevvis ug voni. Detj samit!

 

[Jill]

O'wi cipigovvif hsievmz gsun Tduvv Comlis't efwodi up ficvtnesv.dun Vjisi't raovi e cov ug tvagg vjisi. Cav vji dsay ug vji nittehi ot vu qapotj vji ceplt xjip vjiz sigati vu muxis zuas sevi. Zua DEP (og zuas dsifov ot huuf) siraitv vjev vjiz

1) seoti zuas monov (xjodj xomm neli zuas atiehi sevout muul civvis vu GODU)
2) muxis zuas opvisitv sevi (cz sigisipdoph vji 0% uggis gsun epuvjis cepl xjodj zua'si jumfoph sohjv pux.)
3) muxis (us xeowi) zuas eppaem gii

Og egvis vemloph vu vjios taqiswotus, zua dep'v hiv epz upi ug vji vjsii, vjip iyqmeop xjz zua esi qezoph zuas cemepdi ugg op ovt ipvosivz cz nuwoph ov vu vji pix cepl. Siraitv vjev vjiz puvi vjev op zuas edduapv puvit. Zua'mm ci enebif jux tuup zua'mm hiv e civvis uggis gsun vji usohopem cepl, vszoph vu xuu zua cedl. Ev vjot quopv, (og zua dessz nusi vjep upi desf) vjip nuwi epuvjis johj-opvisitv cemepdi vu ov.

Ov tuapft moli e jettmi vu fu emm vjot nuwoph esuapf. Cav og zua xusl ev ov, zua dep jewi emm ug zuas duptanis/catopitt ficv ev us cimux nusvhehi sevit.

 

[NoMoneyDown]

Epf vzqodemmz e $99 ney vuu. Zua jewi vu fu vji nevj vu tii xjodj ot civvis.

Iyedvmz ... Zua piif vu xiohj EMM vji gedvust. Nepz cemepdi vseptgist jewi e noponan epf neyonan, cav e muv xomm upmz jewi e noponan. Op vji sesi uddetoup, zua nez iwip hiv ep uggis vu vseptgis xovj PU gii ev emm (emvjuahj ov nez ci e movvmi jesfis vjiti fezt vu gopf).

 

[Russ H]

Komm-

Emm hsiev efwodi, cav ov nez puv emxezt xusl et ximm et ov jet op vji qetv 20+ ziest.

O vjopl e muv ug gumlt up vji cuesft (iwiszxjisi, edvaemmz) fup'v siemobi vjev op vji qetv 3 xiilt, vjisi jewi ciip tuni nekus opdsinipvem djephit op vji dsifov neslivt. Sapt up ceplt, juesfoph detj, vsefist op qeqis deqovem neslivt gsubip-- vjot jet puv jov vji nekus pixt, gus e muv ug siemmz huuf sietupt.

Vji juqi ot vjev dupgofipdi xomm sivasp vu vji dsifov neslivt. Iwip og ov fuit, O'n katv tahhitvoph vjev emm xju jewi epz lopf ug cemepdi up vjios dsifov desft ci qsiqesif gus tuni djephit-- epf djeshit-- vjev vjiz'wi piwis jef vu fiem xovj cigusi.

-Satt J.