Thank you to the few but highly valued folks who stopped by to wish me a happy birthday. I did have a lovely time, thank you, but I'm sorry Brooke - there was no cake. I simply could not face the Weight Watchers ladies with cake in my belly.
I am returning to my old blogging form for today, and by this I do not mean posting every couple of days but ranting like a crazy person at something that has made me angry.
Firstly, I should point out to anyone reading this who does not know already: I am shithouse with money. I like to shop, I like to spend, I like to waste, I have a credit problem. Currently I have 4 credit accounts on the go, not maxed-out but some of them are damn close, and it's actually a sickening amount of debt for me to have given that I have nothing of any real value to show for it. I recently applied for a couple of loans to consolidate the cards and pay them up - and most importantly close the accounts - but was rejected because I could not afford to make the repayments. I suppose the bank does not take into account the fact that not only can I AFFORD to make the repayments on the loan, but that I am currently paying at least the same amount every week off the 4 individual accounts and getting nowhere. It's shovelling shit uphill, to put it bluntly.
Now I don't know who here has heard of GE Money, but as far as lenders go, they are the fucking spawn of Satan. They did briefly approve my loan to consolidate my credit cards, and waiting until I went all the way into their fucking office to fucking wait for the paperwork to fucking sign before informing me that unless I had four fucking thousand dollars in the fucking bank they could not give me the fucking loan. I wonder why they changed their mind so suddenly, after already telling me several times I had been approved?
Do you think it could have something to do with the fact that one of my credit cards is actually a GE Creditline account? And that on most of the nearly $5000 I owe them, they earn a princely 29% interest? I guess they figured out just in time that I am much more profitable to them as a poor Creditline sucker than a GE Money personal loan customer. Fuckers.
So, we've established that I hate them. As with all lenders, their TV commercials make them out to be this lovely, fun, caring finance company that really just wants to help make all your dreams come true. But I know better: I'm telling you, the fucking spawn of Satan. But I have further proof.
I have as little contact with them as possible - I like to keep our relationship on a "I'll pay you on time if you leave me the fuck alone" basis. The other day I received a totally unsolicited letter from GE reminding me what my PIN is so that I can withdraw cash from my Creditline account. At 29% interest. Because they want to make sure that all my dreams come true.
I think that will only work if all my dreams are of bankruptcy.
Are they fucking serious? They decided I was too much of a "credit risk" to give a personal loan to me, but they are prompting me to withdraw cash that in theory they think I can't pay back? The fucking spawn of Satan.
I am returning to my old blogging form for today, and by this I do not mean posting every couple of days but ranting like a crazy person at something that has made me angry.
Firstly, I should point out to anyone reading this who does not know already: I am shithouse with money. I like to shop, I like to spend, I like to waste, I have a credit problem. Currently I have 4 credit accounts on the go, not maxed-out but some of them are damn close, and it's actually a sickening amount of debt for me to have given that I have nothing of any real value to show for it. I recently applied for a couple of loans to consolidate the cards and pay them up - and most importantly close the accounts - but was rejected because I could not afford to make the repayments. I suppose the bank does not take into account the fact that not only can I AFFORD to make the repayments on the loan, but that I am currently paying at least the same amount every week off the 4 individual accounts and getting nowhere. It's shovelling shit uphill, to put it bluntly.
Now I don't know who here has heard of GE Money, but as far as lenders go, they are the fucking spawn of Satan. They did briefly approve my loan to consolidate my credit cards, and waiting until I went all the way into their fucking office to fucking wait for the paperwork to fucking sign before informing me that unless I had four fucking thousand dollars in the fucking bank they could not give me the fucking loan. I wonder why they changed their mind so suddenly, after already telling me several times I had been approved?
Do you think it could have something to do with the fact that one of my credit cards is actually a GE Creditline account? And that on most of the nearly $5000 I owe them, they earn a princely 29% interest? I guess they figured out just in time that I am much more profitable to them as a poor Creditline sucker than a GE Money personal loan customer. Fuckers.
So, we've established that I hate them. As with all lenders, their TV commercials make them out to be this lovely, fun, caring finance company that really just wants to help make all your dreams come true. But I know better: I'm telling you, the fucking spawn of Satan. But I have further proof.
I have as little contact with them as possible - I like to keep our relationship on a "I'll pay you on time if you leave me the fuck alone" basis. The other day I received a totally unsolicited letter from GE reminding me what my PIN is so that I can withdraw cash from my Creditline account. At 29% interest. Because they want to make sure that all my dreams come true.
I think that will only work if all my dreams are of bankruptcy.
Are they fucking serious? They decided I was too much of a "credit risk" to give a personal loan to me, but they are prompting me to withdraw cash that in theory they think I can't pay back? The fucking spawn of Satan.
4 Comments:
I also am useless with money, plus I can never seem to stick it out at these crummy student jobs. I usually manage to accumulate two or three thousand on a credit card at least once a year but 29% interest should be criminal. Have you tried to negotiate a lower interest rate?
I know that there service groups that help people deal with creditors and to help consolidate high interest debt here, maybe there is a group like that near where you live.
Sitting back and making someone else's good, hard earned buck, the vulturous behaviour of credit and insurance companies everywhere. The US should contract this GE Creditline place to find Osama, sounds like the kind of place that would have a credit agent to the door of his latest cave within 48 hrs.
Let's all change identies and abandon credit and become gypsies.
I have some pocket lint I could send if I had a stamp.
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