credit 411

Be­yond pissed right now. And this rant is in no way my en­tire outlook. 

I’m not look­ing for sage ad­vice. I need to vent.

Went into bank to get a cred­it card changed at the be­gin­ning of the month. I have one that I don’t use be­cause it doesn’t have any ben­e­fits and is tiny. Want­ed to switch it over to a trav­el card for my up­com­ing in­ter­na­tion­al trip.

The bank’s cred­it di­vi­sion said it would hurt my cred­it less if I opened a NEW card and then merged the old card into the new card. 

So I say ok. Let’s do that.

My cred­it score dropped 20 points and the old tiny card? The bank re­duced the cred­it line by near­ly half.

So I’m pissed al­ready. I go into the bank to take care of the merger. 

The head of the bank, not my rep, warns me that by merg­ing an old card into a new card, my cred­it score will take a sig­nif­i­cant hit. And I’m here, be­fore this fuck­ing new card with a cred­it score that WAS in the ex­cel­lent range turned to ‘very good.’

And the bank rep I set this card up with had no idea. Then starts say­ing they can’t of­fer ad­vice on cred­it things and it al­ways must be my decision. 

So I de­cide to call the bank’s cred­it di­vi­sion to find out how much more this will hurt. At their desk, in the bank. Be­cause I don’t want or have any need for three fuck­ing cred­it cards. But clos­ing my old­est ac­counts may cause an even worse hit?!

To which THEY say, it ‘may’ but can­not give any­more in­for­ma­tion. But ex­plain it cre­ates an­oth­er cred­it re­quest. And they aren’t at lib­er­ty to ad­vise any­thing and gives me the phone num­ber to Ex­per­ian to speak with their representative.

So I call. And ten min­utes of ‘pro­mo­tion­al’ ads lat­er I’m di­rect­ed to call a DIF­FER­ENT number. 

Which takes me to Col­orado, and straight to fuck­ing 411.

I’m done.

I fuck­ing hate banks and these POS in­sti­tu­tions. I just didn’t want to deal with your bull­shit over­seas trans­ac­tion fees. I should’ve just tak­en my cred­it unions ad­vice. Fuck­ing A…

This is also why all my sav­ings is at a fuck­ing cred­it union and NOT a large na­tion­al bank. 

Pieces of shit, every last one of em.
 

—jes

Flom­mist Jes ex­ists for mo­ments of fiery in­spi­ra­tion. See her in­spi­ra­tional byprod­ucts at jdeprez.com. Copy­right © 2016 JES DE­PREZ. Pic­tured: The Alex Schae­fer, Not the Bank of Ar­son, Ap­par­ent­ly (cropped), 2011.

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