Showing posts with label 250%. Barack Obama. Show all posts
Showing posts with label 250%. Barack Obama. Show all posts
Tuesday, June 16, 2009
Please vote at Open Gov for the Consumer's Right to Opt Out, lets make it a law!
Monday, June 1, 2009
Friday, May 8, 2009
Day 33, Chase Bank Protest. Barack Obama to conduct town hall meeting about credit cards. I guess myself and other consumer advocates are not invited.
Reuters reports that Barack Obama will hold a town hall meeting about credit cards.
I find this type of political maneuvering disturbing.
The sad truth about credit card debt and the credit card industry is that tens of millions of people are being oppressed by the credit card industry, but these tens of millions of american don't think they are being oppressed as long as they can make the monthly minimum payment. Ironically, it is the low monthly minimum payment that has indentured these same millions of americans without them realizing it.
The other sad truth is not every complaint about credit card debt is a valid one. A town hall meeting will simply meld together the less valid, lack of personal responsibility complaints with the gut wrenchingly sad, unfair, and anti american behaviors that ARE PERPETRATED against american citizens by the credit card industry.
The United States has a population of over 300 million and over 200 million adults. That means that even if 10 million americans have been absolutely treated unfairly and are indentured to credit card debt for the rest of their life, that still only works out to 5 percent of the adult population!
This also means that if the town hall meeting is a random sampling of the adult population, then only one in 20 at that meeting will have the hard hitting examples we need to hear about. Imagine going to a football game in which only 5% of those in attendance actually understand football, and the rest of the stadium is comprised of tennis, baseball, basketball, golf fans and so on.
I don't want the hard hitting core issues to be diluted by somebody complaining because their credit line they were not using was cut in half, or that they were preapproved for a card then denied. The reason I don't want to hear about those issues is they will DILUTE the MORE IMPORTANT ISSUES THAT ALREADY EXIST AND ARE MORE HEINOUS!
Extremely important credit card issues that already exist include, the theft of frequent flyer miles from AMEX customers, those miles were then "reallocated" by American Airlines to Citibank in exchange for lower interest rates on loans that American Airlines requires.
Extremely mportant credit card issues include CHANGING TERMS WITHOUT ALLOWING THE CUSTOMER THE RIGHT TO OPT OUT once the see the changes on their billing statement.
Extremely important credit card issues include not dropping a credit line to either below, at, or just above the amount of credit card debt a person already has. Lower the card limit if you must, but give the consumer a bit of a soft landing as well.
Extremely important credit card issues include changing the credit card industry from punitive based policies that are punishing people with stellar payment histories to incentive based policies that reward credit card users with excellent paying and responsibility records. Also, reward anybody who is intent on PAYING DOWN their debt.
Extremely important credit card issues include a higher monthly minimum payment requirement for college aged kids just starting out with credit cards. A TEN PERCENT MONTHLY MINIMUM PAYMENT REQUIREMENT FOR COLLEGE KIDS would reduce the amount of debt a college age person would acrue and limit the credit card companies losses as well.
Extremely important credit card issues include not labeling customers "toxic assets" because they have low interest credit card accounts that they EARNED by having an excellent payment history.
As you can see I've just outlined six really important credit card issues that could take an entire town hall meeting to discuss at length, especially if customer horror stories related to these six issues are discussed as well.
Instead, Barack Obama's town hall meeting will probably see such a bombardment of issues that there is a chance that the american citizen will be made out to be a whiner and complainer.
Friday, April 24, 2009
DAY-18 CHASE BANK PROTEST - balancing everyday life with the protest is difficult.
The recent passing of my father has taken precedence over my "on the street protesting". I have been able to keep blogging, but it is hard having to miss protesting in front of Chase Bank so I can take care of family emergencies that are coming up on a daily basis. My mother lost her sister and her husband within a month of each other, and I am not trying to save our cute little shitszu that has horrible skin itchiness, she is literally scratching herself to death.
Instead of protesting yesterday, I spent that time immersing our dog in slightly warm water for 30 minutes, then did the SebaLyt shampoo treatment for several more minutes, then rinsed, and dried. Her fur never looked better, but the skin underneath was still red.
I took the dog with me to mail a bill and then on the way back, a family friend would look at her to give me some advice. By the way, it's a bill that had the payment date moved up 10 days, and I've asked three months in a row to have the date moved back to where it was for the past 6 years. It's not a Chase Bill, it's a non credit card company fuel bill adopting "sinister old school" tactics that many credit card companies dropped several years ago.
These evil billing tactics include giving something like 10-14 days time to pay the bill from the date they actually mail the bill to me. This company has also changed the payment address to across the country, before it used to be in my state. This is really evil stuff, especially when they keep telling me that they will change due date back to the old date, and never do.
So I took the dog with me to the Post Office (Daily-Protest sign in the back window) and then to show to a family friend who has dealt with similar skin problems with her dog. I also bought some vegetarian dog food. The dog won't eat it. I heard the dog start to scratch in the middle of the night and I put her on my lap. She slept fine for several hours that way. When I woke up and left the room, she managed to scratch herself so much, it was as if to make up for the time she lost while sleeping on my lap.
The dreaded prednisone treatment seems to be the only recommendation to reduce skin itchiness that actually works, but over the long haul will shorten a dog's life. So will all the scratching.
You can help promote the protest against Chase Bank by making a daily-protest.com sign and posting it where people will see it. Just be careful that the sign won't blow into traffic, doesn't have sharp edges, or doesn't distract people or obstruct their view. The back window of a PARKED CAR in a busy supermarket market can prove very effective, but please DO NOT DRIVE OR BACK UP with the sign in the back window, not even for one second. But if you work in a store, just leaving a Daily-Protest sign in your backwindow for that time period will help this site get hits.
There is no advertising on this site so the hits are not a ploy to make money.
Places to put such a sign include bulletin boards, store front windows, or a bumper sticker. Even a workplace countertop can work, just get permission if it isn't your space. lol, you can also try protesting in front of a Chase Bank near you, but the other ways may prove just as effective.
Instead of protesting yesterday, I spent that time immersing our dog in slightly warm water for 30 minutes, then did the SebaLyt shampoo treatment for several more minutes, then rinsed, and dried. Her fur never looked better, but the skin underneath was still red.
I took the dog with me to mail a bill and then on the way back, a family friend would look at her to give me some advice. By the way, it's a bill that had the payment date moved up 10 days, and I've asked three months in a row to have the date moved back to where it was for the past 6 years. It's not a Chase Bill, it's a non credit card company fuel bill adopting "sinister old school" tactics that many credit card companies dropped several years ago.
These evil billing tactics include giving something like 10-14 days time to pay the bill from the date they actually mail the bill to me. This company has also changed the payment address to across the country, before it used to be in my state. This is really evil stuff, especially when they keep telling me that they will change due date back to the old date, and never do.
So I took the dog with me to the Post Office (Daily-Protest sign in the back window) and then to show to a family friend who has dealt with similar skin problems with her dog. I also bought some vegetarian dog food. The dog won't eat it. I heard the dog start to scratch in the middle of the night and I put her on my lap. She slept fine for several hours that way. When I woke up and left the room, she managed to scratch herself so much, it was as if to make up for the time she lost while sleeping on my lap.
The dreaded prednisone treatment seems to be the only recommendation to reduce skin itchiness that actually works, but over the long haul will shorten a dog's life. So will all the scratching.
You can help promote the protest against Chase Bank by making a daily-protest.com sign and posting it where people will see it. Just be careful that the sign won't blow into traffic, doesn't have sharp edges, or doesn't distract people or obstruct their view. The back window of a PARKED CAR in a busy supermarket market can prove very effective, but please DO NOT DRIVE OR BACK UP with the sign in the back window, not even for one second. But if you work in a store, just leaving a Daily-Protest sign in your backwindow for that time period will help this site get hits.
There is no advertising on this site so the hits are not a ploy to make money.
Places to put such a sign include bulletin boards, store front windows, or a bumper sticker. Even a workplace countertop can work, just get permission if it isn't your space. lol, you can also try protesting in front of a Chase Bank near you, but the other ways may prove just as effective.
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