FU MBNA credit card ass ****** company

[Lucci]

24.99 % on a $13K balance!! I have an excellent credit history and have been a customer of MBNA for years and years. There is NOTHING they can do for me to lower the rate coz my fucking ex husband left me with all the marital debt. Oh yeah, FU too, you jobless drunken fuckhead of a jerk off who won't pay child support and probably sucks cocks to buy dime bags. OK, I'm done now.

[Kid Brock]

Check around, marital debt or not their will be a credit company somewhere you can transfer the balance so you can get the rate down.

Good luck

[fmeinthea]

24.99 % on a $13K balance!! I have an excellent credit history and have been a customer of MBNA for years and years. There is NOTHING they can do for me to lower the rate coz my fucking ex husband left me with all the marital debt. Oh yeah, FU too, you jobless drunken fuckhead of a jerk off who won't pay child support and probably sucks cocks to buy dime bags. OK, I'm done now.



don't pay the bill, say fuck 'em.

[Schnit Dick]

24.99 % on a $13K balance!! I have an excellent credit history and have been a customer of MBNA for years and years. There is NOTHING they can do for me to lower the rate coz my fucking ex husband left me with all the marital debt. Oh yeah, FU too, you jobless drunken fuckhead of a jerk off who won't pay child support and probably sucks cocks to buy dime bags. OK, I'm done now.

Aww sorry Lucci...i still love you though...I am surprised that MBNA is so bad like that...i have only used MBNA and never had a problem, and when I questioned something they took care of it right away

Check around, marital debt or not their will be a credit company somewhere you can transfer the balance so you can get the rate down.

Good luck

Unfortunately depending on the divorce lawyer, his lawyer might have told him to stop paying the bills...it is a way to get less in alimony if you are in debt, and she might have been stuck with it, and then it really hurts her, and if its that high and that much she might not find another one

don't pay the bill, say fuck 'em.

That will screw her over even more in the future

[Dark Reyule]

I used to work for MBNA, I know all the ins-and-outs of that fucking company... they suck.

[Kid Brock]

If you ever get one of their offers for credit lines (not cards) take 5 minutes and read the fine print. Every time you access the credit line you get charged a $150-175 fee, they offer 6.99% but really will give most people up to 19.99% instead.

Pretty much all credit companies are predators and suck, but they are one of the worst.

Check with your local CCCS (credit counseling) they can give you advice and are very good at getting rates lowered or dropped. Don't do a shady consilidation company use CCCS they are no-profit and legit.

[Lucci]

I never accessed the credit line, I just consolidated other balances. And Schnitty, I <3 you, but the reason why I got stuck with it is because he is a loser with no job and won't pay the bills. Oh, and I took his name off the cards because I didn't want him spending more, so it's all under my name now. I think I'm gonna take Vegas' advice, I've always shyed away from credit counseling because I don't have a problem, I'm just paying off that fuckhole's problem. But I want to buy a new house soon, so I gotta keep my shit clean.

[fmeinthea]

That will screw her over even more in the future




Depends, mostly 7 years of bad credit, if it is only one card and she is in good standing everywhere else, then no big deal, fuck 'em.

If you are behind on several cards, your credit is scewed already. 7 years and the shit goes away, or claim bankruptcy, then your credit is screwed for about 5 years and the bankruptcy stays for about 10.

If you live n Delaware, the creditors only have 3 years to collect. (lucky me)

Say fuck 'em.

[The Sarge]

24.99 % on a $13K balance!! I have an excellent credit history and have been a customer of MBNA for years and years. There is NOTHING they can do for me to lower the rate coz my fucking ex husband left me with all the marital debt. Oh yeah, FU too, you jobless drunken fuckhead of a jerk off who won't pay child support and probably sucks cocks to buy dime bags. OK, I'm done now.

You slept with him. Pick better next time...if there is a next time.

Just get a cat and love your kids.

Oh, yeah....Credit Card companies do suck a fat one. Especially those with Punjabi customer service reps on the phone.

[Bill]

But I want to buy a new house soon, so I gotta keep my shit clean.

When you say that you want to buy a new house soon, does that mean that you already own a house? If so, get yourself a home equity loan/line of credit. Because the loan would be secured by your house, the interest rate will be much lower. Typically, you would have 15 years to pay it off, but I would attempt to do so much quicker.

Some banks offer better rates on Home Equity Lines of Credit if you use $25K within the first 3 months. Depending on the bank, this could be as easy as taking the $25K out for one month, paying the interest on it and then paying back the $12K that you don't need.

The last place that you want to have your debt owed to is a credit card company. If a Home Equity solution doesn't work for you, talk to someone at your bank and explain your situation. They may be able to help.

[Bill]

7 years and the shit goes away, or claim bankruptcy, then your credit is screwed for about 5 years and the bankruptcy stays for about 10.


That's not really an option anymore. Last year, Congress passed a law that makes it almost impossible to delcare bankruptcy in a situation like Lucci's.

[jpc165]

MBNA has always been good to me. But I have never been late on payments or anything.

[HummerTuesdays]

My only FU to them is that I've got an old, closed account with no balance and it still shows up on-line. It even let me make a payment on that card, not my current one. Yeah, I should have been more careful, but what fucking company keeps a card available YEARS after the account has been closed?

[flyerfan116]

When you say that you want to buy a new house soon, does that mean that you already own a house? If so, get yourself a home equity loan/line of credit. Because the loan would be secured by your house, the interest rate will be much lower. Typically, you would have 15 years to pay it off, but I would attempt to do so much quicker.

Some banks offer better rates on Home Equity Lines of Credit if you use $25K within the first 3 months. Depending on the bank, this could be as easy as taking the $25K out for one month, paying the interest on it and then paying back the $12K that you don't need.

The last place that you want to have your debt owed to is a credit card company. If a Home Equity solution doesn't work for you, talk to someone at your bank and explain your situation. They may be able to help.
i was going to say the same thing. Plus the interest is usually tax deductible so it's a win win

[Bill]

but what fucking company keeps a card available YEARS after the account has been closed?

A lot of them do. I was surprised to see how many still appeared on my credit report when I requested a free copy. I think that they stay on the credit report for a few years so somebody can't pay off and cancel a card that they've had bad history with in order to remove that card from their credit report.

[HummerTuesdays]

I don't mind it being on the credit report...but on my on-line profile, *and* available for payment?? WTF? The account is CLOSED. It has been for EASILY five years, probably closer to 10. There shouldn't be ANY activity allowed, except for credit reporting purposes.

[fmeinthea]

I am do glad that I fucked those people for about 12k.
.
I also fucked capital 1 for about 10k too. Sears went down in flames at at 5k.
There were a few others, about a G or two here and there, I think home depot took it in the ass too.
We moved in to our new home, bought everything we needed and never paid them a fucking dime.

.
The cool thing is that in Delaware, since my house is in both of our names and the debt is only in mine, they can't put a lean on the house.
.

Rest assured for those that are pissed off, I got 'em good.

[gmasi]

Those fuckers rates are crazy.