I have a credit card with Bank of America....I've had it forever and always try to pay off the balance like a good American every month - NOT. This notice was at the bottom of my last statement:
REDUCED PAYMENT OFFER: PAY ONLY $15 THIS MONTH. REGULAR PAYMENTS WILL RESUME NEXT MONTH. FINANCE CHARGES WILL CONTINUE TO ACCRUE. PAYING ONLY THE REDUCED PAYMENT AMOUNT WILL EXTEND YOUR TERM AND MAY NOT BE ENOUGH TO PAY OFF YOUR FINANCE CHARGES. PLEASE REMEMBER TO PAY ON TIME TO AVOID LATE FEES. GET EXTRA CASH FAST! JUST WRITE ONE OF THE ENCLOSED CHECKS TODAY! GET THE CASH YOU NEED! CALL 1-800-XXX-XXXX TO HAVE YOUR AVAILABLE FUNDS DEPOSITED INTO YOUR CHECKING ACCOUNT TODAY!
SIMPLIFY YOUR LIFE. SIGN UP FOR AUTOMATIC PAYMENT DEDUCTION.
PLEASE CALL US AT 1-800-XXX-XXXX FOR MORE DETAILS.
REDUCED PAYMENT OFFER: PAY ONLY $15 THIS MONTH. REGULAR PAYMENTS WILL RESUME NEXT MONTH. FINANCE CHARGES WILL CONTINUE TO ACCRUE. PAYING ONLY THE REDUCED PAYMENT AMOUNT WILL EXTEND YOUR TERM AND MAY NOT BE ENOUGH TO PAY OFF YOUR FINANCE CHARGES. PLEASE REMEMBER TO PAY ON TIME TO AVOID LATE FEES. GET EXTRA CASH FAST! JUST WRITE ONE OF THE ENCLOSED CHECKS TODAY! GET THE CASH YOU NEED! CALL 1-800-XXX-XXXX TO HAVE YOUR AVAILABLE FUNDS DEPOSITED INTO YOUR CHECKING ACCOUNT TODAY!
SIMPLIFY YOUR LIFE. SIGN UP FOR AUTOMATIC PAYMENT DEDUCTION.
PLEASE CALL US AT 1-800-XXX-XXXX FOR MORE DETAILS.
Basically what they want me to do is only pay $15 instead of my regular monthly payment and in exchange for them saving me all of that extra money they get to charge me 2 months of interest payments - ain't that nice of them.
No wonder Americans are in the Credit Crunch that they're in....
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3 comments:
It's not just Americans...
UBS and Credit Suisse (here in Switzerland) are tangled in this whole sub prime mortgage thing (as are banks in many other countries) and they've recently announced huge write-offs. Of course, they're now blaming America even though they were more than happy to accept the huge profits they earned over the past few years as a result of, among other things, sub prime loans in America.
Good day !.
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