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My student loan payment is $350 each month. According to a budget guide, I should put $200 into savings each month as well.
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HELP!... |
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Additional Details
I have five kids and my husband and I work full time. I adopted four of the kids that were abuse by their natural parents. The state waited so long to give funds for ... |
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 I'm being sued by a friend for $2000 but no contracts or agreements were made, should I worry? |
| Hi guys, so my friend let me borrow $2000 last year, we did not make any contracts or agreements. As a good citizen I told my friend that because of my financial difficulties at this time I would ... |
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 Will somone please donate 250,000 dollars to me? |
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The Jacquot | What do you think of Bank of America raising credit card rates even on good accounts? |
http://finance.yahoo.com/banking-budgeting/article/104466/Card-Sharks |
 |
 
KAL
|
Personally, I think it sucks and it is a very poor long-term business strategy especially given recent reductions in interest rates by the Fed.
I think the best strategy for every BOA customer that carries a balance would be to take advantage of one of the many opportunities to transfer your balance to another card that offers 0% on balance transfers...and then set up a budget to allow you to pay off the entire balance before the promotional period ends...and then close your BOA account (or, if they offer a grace period for purchases, use it for daily expenses and pay it off each month so you incur NO finance charges)! The balance transfer will cost you 3% (typically...I've seen higher and lower offers), but that's a lot less than the 9% you're paying to carry a BOA balance now and A LOT less than the 28% they may charge when the new rates take effect.
One note: read the fine print carefully...some balance transfer offers require you to make a certain number of new purchases (at a much higher rate) to retain the rate...and they pay off the lower-interest balances before they start paying the higher interest new purchase balances. Even if they don't require you to make any new purchases, if you do, you could end up paying a lot of interest on those new purchases while they are applying all your payments to your 0 interest balance transfer!
In a way, BOA may be doing their card holders a favor...motivating them to pay off their balance as quickly as possible As you've mentioned in other posts, consumer debt is out of control in this country...we're all building a huge house of cards that could tumble down around our ears because of even a little wind! I was shocked by the amount f the proposed increase...and I hope others are shocked too...just enough to reconsider the wisdom of living beyond their means using credit cards! |
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heybulldog
 |
Doesn't bother me a bit.
I don't play the credit card game.
If you play with snakes. Sooner or later you will get bit! |
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Sarah Bronte
 |
It's awful and just another way for the greedy rich to get richer! |
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Veritas et Aequitas ()
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They are raising rates because of the mortgage mess. They are losing money so they are passing the buck to other divisions. ATM fees are going up, interest rates are going up. The banks are trying to minimize their losses and unfortunately they are attacking their loyal customers. |
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LG
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I don't care if it goes to 75%, I never carry a balance over to have to pay interest on. |
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kharilli
 |
Omg, I think that's terrible! I didn't even know they could do that. I have a high balance on my credit card and now I'm going to have to pay it of faster because I'll be darmed if BOA will suck any more money out of me than they're entitled to. Thanks for letting us know. |
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Leprechaun of Jupiter
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they stink i had account with them shut off card cause i was late a week |
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rogue
 |
Many banks are raising their rates even as you said to good customers.America is run by large corporations lobbying congress everyday.The little guy has not a chance in hell except through bankruptcy.Subprime mortgage , usury fees ,oil prices,pharmaceuticals prices,lack of health care are just a few of the problems.Meanwhile billionaires are multiplying and Americans are apathetic or just ignorant not demanding accountability. |
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jodester
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That's terrible, I think I'll close my account now. Now who's NEXT? |
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NONAME
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I don't like it, to the extent at which I don't even WANT to think about it. =(( |
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La Rana de Muerte
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I banked with them for about two days. After reading the fine details of even just a checking account with them I was less than impressed. They seem to charge fees for even the most menial of services. I wouldn't be surprised if they start forcing their way into your personal will and testament as a closer for any account. BOA is EVIL!!!!! |
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