After Changing Banking Systems do to Fraud and Scamming…YEP right at THE BANK…about 10 Times+ 500-$1000…over time…
ANY Credit Cards on Auto Pay that are Not Paid on time…Incure…about a $30 Dollar slap…
And these Bankers are All Playing Ping-Pong with Switching Funding Sources…
Hence:
Walmart to Capital One…After try for 2 months and resetting everything 5-6 times…
I just Closed the Bank account without Switching the Cards…
The Pay off to the Bank was $638. to Close the Account…
I Called the Capital Card and Most Cards have a Grace Period…
THESE NEW SET UPS HAVE LITTLE OR NONE…
And Who in The HELL is going to read 20 Pages of Jargon you can’t understand Half of in the First Place…
RIGHT…?
(but we all should no doubt)
So I Check on this Walmart Card…
Which I’m Irritated About in the First Place…
Why the Damn info isn’t Correct…to The Automatic Payment…
The New APR is at 22.90 I believe…
Holy Crap like 20.% wasn’t Bad Enough…???
APR stands for Annual Percentage Rate, which is the figure the card company uses to compute your interest. It’s the percentage you pay the lender for the money you borrow over the course of one year…
Which By The Way… You have to have Multiple Cards…
Because Half the Time the Damn things Don’t work…
After you’ve Spent 2 hours Grocery Shopping and
The People at the Checkout Behind You are ALL Sighing in question…
When you get the Declined Flag…
If you don’t have cash or another Card your STUCK and not Leaving with your Groceries…
So I Called and Asked What my interest charges were since I Opened the Card…
Well they can’t go Back to the Start but only the Last 2 Years after Walmarts Funding Source Switch…
(which also makes me wonder where all those financial records are going…???)
And with the late Payment GOTCHA….
IT Was Almost $300+ in 2 years Alone…
Which Means the Bag of Apples I bought at 50 cents Each…on sale…
Was Actually a Dollar Each if Not More…
THEIR IS NO GRACE PERIOD…
So if you fall behind or like Me Owe 600+…ITS $12 a Month…not including any late or excuses they make up…
Which sound OK…Until 2 years later Like Me.. you find out its $300…for the Convienance of using the Card…
THATS ALOT OF DAMN APPLES….!!!…
And Means any and everything I got on Sale..ended up Probable costing More then Full Price…
ALWAYS,,ALWAYS,, Review your Statements…
The Helpful Clerk…??? Has the Card Number…and them swipping it…
Easily gives them Access to your 3 digit code…(understand)…
Con Artist are Very Helpful…for a Reason…
Never Let anyone Use your Phone…
Unless you want ALL your Data Copied…
All they have to do is turn on Transfer and
they will have it all in a Matter of Seconds or Access to your Location and Phone Info…
INCLUDING THE POLICE…
NO ONE Should Ever touch your Phone But YOU…
ITS YOUR BANKING SYSTEM and Personal Files…
OH Let me take a Picture of you and Your Girl Friend…
Or I can take your Picture for You…
(no thank you)
We are Living in VERY VERY Dangerous Time’s’s’s…
And Whether They are Wedgets or Dollars…
Without them You cannot Survive…
Sure you may get the Money Back…in time…if Something Happens…
But in the Mean time…
Getting by without Food, Gas, or Rent could get bad REAL REAL FAST…
After Fact again weeks Later Banked me for another 100+
No One Takes Better care of YOU…
THEN YOURSELF…AWARENESS…