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		<title><![CDATA[Latest posts for the topic "Bad "credit " card for unwary customers."]]></title>
		<link>http://www.credit.com/forum/posts/list/26.page</link>
		<description><![CDATA[Latest messages posted in the topic "Bad "credit " card for unwary customers."]]></description>
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				<title>Bad &quot;credit &quot; card for unwary customers.</title>
				<description><![CDATA[ I would like to suggest that you check out Chases "Freedom Card", which appears to me to be not a credit card, but a LOAN CARD.<br /> The solicitation we received says that after a certain period, after 1/1/2010, a charge of 23.24%<br /> will be the advance purchase finance charge.  That seems to say that they will slap a hefty surcharge on all charges, with an annual rate of 23.24% on all purchases.<br /> I am unable to drag a copy of the solicitation into this message, but will be pleased to send it via E-mail if I ave an address.<br /> <br /> Further, Chase declines to provide a copy of the Cardmember Agreement until AFTER someone has applied and is approved.<br /> You get a pig in a poke.<br /> [I have documentation for all the statements.<br /> <br /> I happen to be a very long time customer of Washington Mutual Bank which was acquired by Chase, and I have a free Debit card.<br /> I believe that  most people should have debit cards to preclude buying stuff they have no funds for.<br /> (I also have crdit cards to use for Internet purchases using "Shopsafe" (MBNA/Bank of America and Citi's Virtual Account Numbers.<br /> Those are the only safe means of buying safely on the Internet with temporary account numbers  limited in value and time.<br /> <br /> Gunther Steinberg<br /> Portola Valley CA]]></description>
				<guid isPermaLink="true">http://www.credit.com/forum/posts/preList/341/1127.page</guid>
				<link>http://www.credit.com/forum/posts/preList/341/1127.page</link>
				<pubDate><![CDATA[Thu, 20 Aug 2009 16:10:49]]> GMT</pubDate>
				<author><![CDATA[ gunther]]></author>
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				<title>Re:Bad &quot;credit &quot; card for unwary customers.</title>
				<description><![CDATA[ This is one of the reasons why reading the fine print is SO important.  It pays to make sure you're fully aware of the terms on the account.  I personally don't like the surcharge verbiage... makes me a little leery and I'd want clarification from the issuer before I'd consider applying. <br /> <br /> Anyone else have experience with this card? ]]></description>
				<guid isPermaLink="true">http://www.credit.com/forum/posts/preList/341/1128.page</guid>
				<link>http://www.credit.com/forum/posts/preList/341/1128.page</link>
				<pubDate><![CDATA[Fri, 21 Aug 2009 09:07:40]]> GMT</pubDate>
				<author><![CDATA[ dtempleton]]></author>
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