Another thing the banks are doing (its a little thing but watch out for it) they are taking alot longer to process deposits, I made a deposit Saturday and it was just credited today wednesday. If I hadn't waited for it to clear it may have caused problems use to be these deposits would be credited the next day.
When EVERYTHING at the stores is imported : MADE IN CHINA ,
it should all be free goods ,its Traded for with Assets owned by the American And Canadian peoples ...assets such as jobs ,American/Canadian owned companies and materials.
WHY WOULD YOU PAY A PENNIE FOR WHAT WAS YOURS ALREADY ?
You would collect a rental ,
ACCEPT IT FOR VALUE ,DO NOT PAY FOR IT WITH YOUR DEPT MONEY !
Bank of America is CRIMINAL. Besides all the things they do to credit cards, they are the MAIN PERPETRATOR of Foreclosure Fraud, throwing people out of their homes by forging the documents. DEMAND that your bank produce YOUR ORIGINAL mortgage note with your "wet ink" signature (a copy is insufficient, just like a copy of a dollar bill is not a dollar). If the bank cannot produce YOUR original signed note, they can be sued for the mortgage amount +3 times the amt. They've been caught FORGING.
Four good points! I think I would amend #2 by saying not just pay your balance off on time but get rid of the credit card alltogether and instead use a DEBIT card only (according to Dave Ramsey). Yes, learn to live a more simple life style and as you've said get out of debt. And if you NEVER borrow money, don't have a credit card and pay all your other normal bills on time your credit score will go to zero.....just the score I'm striving for. High score means you borrow to much money!
I have a friend who wrecked a rental car and was charged 25K on his credit card.
You have to hide income and employer info or they'll sue to garnish wages. Lay low, quiet, until the statute of limitations runs out for them to sue, and you've beat the system.
Your 4 point plan is the usual financial practice of Japanese people. WHen I told them about the American financial system they couldnt believe it. I will make a video soon about the banking system in Japan. I really believe that most american people are in a literal slavery and the American dream was only a trap. One thing is that people should stop using checks and use cash when you can. SOmetims banks withhold checks causing the account to go into the negative.
I lost my job a year agor and the credit card companys would not work with me so six months later when all the cards went into collections all I did was send them a validation letter and the response was that they could not verify the debt! So long about $77.000 dollars of dept! They didn't what to work with me, OK back to work pay cash for everything and life is a lot easyer
Yes, after 6 months, the banks get their money from their insurance company, then SELL your debt to a third party collection scum who tries to make a profit without validation of the debt. Every american should know their legal rights with credit cards.
By the way, BoA's stocks are still going up, so they're obviously not getting hurt by us not paying off our credit cards. -Imagine that! We stop paying them, and they still make a profit.
@PatrioticInsurgent its a lie. B of A is bankrupt with many millions of dollars of mortgages unpaid but still used on their books as par investments at full value. THe stock markets are controled they do not tell us the health of a corp. Executive brance secret plunge protection team and the Ulitmate evil counterfiter Fed reseve bank , who creates money at no cost, digitized and unaccountable to anyone, Counsel on forign markets. We live in a lie a huge lie.....
@pure2warrior On Max keiser.com he reports that over this past weekend the Fed ponied up another 4 to 10 billion dollars to keep B of A's ponzi scheme going.
I am finally completely o/of debt!! No more calls from collection agencies!! In fact, I call them to make sure my credit reports are updated!! I charge on my credit cards only to keep them active, and I always make sure the $ is in my bank accts b4 charging, and only small small amounts are charged (like $25-$50.) I pay off the balances ea. month, sometimes I over pay. Debt is a four -letter word to me now!!! Simplify, simpifyl & simplify is my creed!!
It has been years since I have had a bank account or credit card. Now, I will use pre-paid credit cards if necessary. I am almost completely off any grid and am as free as is possible. You do not have to live under their rules. I don't even care if people don't pay all their monies owed anymore, in fact I hope they don't. Destroy the entire fake system by peaceful means as long as that option is available. Keep up the good work!
OK.here's how stupid these banks are. I have 2 Citicards amongst others. Total balance on cards about $5000. They raised my rates to 29.9. I was never late and made them a F*** ton of money over all these years. So, I got a loan from a local bank at roughly 7% or so, and paid off the cards. I now pay off any balance immediately. So, to the dumbass bankers, You used to get 14% on 5-7000 dollars. Now you make 29.9% on ZERO. You do the math morons. You've basically lost one of your best customers.
I have a question: isnt it that the small local banks park their money in big banks that tell the small ones to earn big interest with it? like with all pension and life insurers, they all put the money to big banks and the state, that assures to pay interest. it seems to me domino day is coming, because the whole money system based on interest is a ponzi scheme. can you believe that?
Yes it is a ponzi scheme, but like Madoff this one is going to implode. Stick with the credit unions -- they are owned by depositors, not shareholders.
Throw your money into the streets, let it fly in the wind from tall buildings, and line the gutters. Your money is infectious; contaminated. Let it pile up on the lawn of the courthouse. When creditors want payments and the court wants a fine,or, foreclosure, tell them to get their money that's piled up outside and drifted into heaps. It's all wasted worthless, anyway.
I hope that you will be free of debt my sister, there is nothing worst than having that kind of worry, take care and i will pray for you, i will do that because it's obvious to me that you are one great woman, think positive love,
Hi 407buddy i believe we are just plain too much TV, Alum metal in are food and a jackass controlled goverment and 3 sec attention span super consumption of earth resoucres yeap were plain Dumb.
Love most of these ideals and already live them for years! The NEXT big issue for Americans is BREAKING the STRANGLE hold of the FEDERAL RESERVE BANKS !!! It's CRAZY that WE THE PEOPLE have to PAY INTEREST on OUR MONEY !!! I will be doing some videos on this subject SOON !! Live Long and Prosper !!
I told Discover Card off last week. They won't get any more payments until they reduce my interest rate and remove the predatory fees. I suggest local credit unions if your local banks have been swallowed up by the BIG BASTARDS.
Moody's and Fitch both agree that the chargeoff rate will run at above 11% through the middle of next year. That means that an awful lot of credit card bank operations are going to be under an awful lot of financial pressure.
No problem! They can raise their customers' rates at any time for any reason! Meaning that a lot of you are going to get pushed under the bus.
If that happens to you, you need my book, period. Ann endorses it. 150 pages, 180 footnotes, it's what you need to know.
Here's a better idea for your "revolt" that won't leave responsible people that pay their bills on time to pay for the mess you create. Pay off your debt, close the account and never borrow money on a credit card again. If you need something expensive try to SAVE for it. Get a second job working part time.
Here's the deal folks: the banks are squeezing everybody and when their squeeze pushes some over the edge they have to squeeze those who remain all the harder. Look into Advanta Bank and what's happened to it, because that's the template for what's happening to the other major banks.
Ann Minch is fighting back, and so should you ... but if the banks have already pushed you under then you need to know how to fight against what comes next--and that's where my book comes in. Check my channel.
Rockerchic4God be a little more white trash cuz i am pretty sure that whats God wanted, the South to spout nonesense for him while lookiing like a fucking hooker, God must be SOO proud of his Daughter at work. Christ, fucking trash who push God for all kinds of fucked up BS well i just despise them and the fucks who critism me using the F word, well God would critise your using the G Od word for your fucking BS!!!
Citi Bank tried that crap with me and I closed my account. Now they send me a couple of Citi Saphire Card offers a week. I don't think so. Hah !
I have several accounts at Bank of America - If you try this crap with me all my accounts go to my Credit Union. I only bank with you {15 Years}because of your ATM network. We aren't friends - this is a business arrangement.
If you are being bilked write the Federal Banking Comission. Try Googling them.
Bank of America tried the interest rate hike on me. I am closing all accounts and a fast balance transfer to a local credit union. No more purchases on my debit card from Bank Of America. No more interest at all from Bank Of America. They have lost a customer forever and my daughter is 18. We are closing her account tomarrow. This will not be tolarated in the old and young community. Bank of America will sink in the end
Ann, IGNORE all the neg comments. So far they are clueless and cannot grasp the facts.
BOFA (BAILOUT THIEVES) have ALWAYS BEEN THIEVES!
EVERYBODY needs to CLOSE BOFA ACCOUNTS!
In my business I see a lot of other peoples financials and BofA ALWAYS charges the most and invent ridiculous charges as if to suit the situation. They charge the highest rates on every mortgage, line of credit, etc., Meanwhile they pay the lowest rate on all their deposits.
Ann, IGNORE all the neg comments. So far they are clueless and cannot grasp the facts.
BOFA (BAILOUT THIEVES) have ALWAYS BEEN THIEVES!
EVERYBODY needs to CLOSE BOFA ACCOUNTS!
In my business I see a lot of other peoples financials and BofA ALWAYS charges the most and invent ridiculous charges as if to suit the situation. They charge the highest rates on every mortgage, line of credit, etc., Meanwhile they pay the lowest rate on all their deposits.
after 32 seconds in, i realized it, shes a zealot who believes GOD over reality and I am a catholic, fuck idiots who use the bible to their own ends! dont like what the banks are doing???? fuck off and be smarter, not that hard to stop people from taking your money if you have half a brain in your fucking head. FUCK PEOPLE ARE DUMB
I am so sorry you call yourself a Catholic as all churche of Christianity belong to God..to Jesus..Please do us all a favor, the language you use does not conote any intelligence or FAITH of any kind
churche is not a word. Church with no E is a word. Conote is not a word either your dumb fucking cunt white trash who has no respect for anything religious and should just stop fucking talking. comment on my language some more and I will comment on what A useless piece of fuck you are.
Banks didnt cause the problem, keeping up with the joneses did. now go try to save 25 G's to buy your your new car, or refigerator, or that new TV. Hey, welcome to the rest of the world, AMERICA THE GREATEST.
Here's the deal folks: the banks are squeezing everybody and when their squeeze pushes some over the edge they have to squeeze those who remain all the harder. Look into Advanta Bank and what's happened to it, because that's the template for what's happening to the other major banks.
Ann Minch is fighting back, and so should you ... but if the banks have already pushed you under then you need to know how to fight against what comes next--and that's where my book comes in. Check my channel.
keep the cards. you need them for credit reports. keep o% balances and use them once every six months (buy a burger , pack of gum or something) to keep them active. it drives the banks nuts. I am what they refer to as a deadbeat. and very proud of it. I have nearly 50,000$ in available credit and owe the rat bastards nothing except the spit on my forever stamps.
I paid Citibank and Capital One balances off in full when "new policies" were announced. They kept charging me interest on $0 balances for several months & notified monitoring comrades of "late payments". Credit union card is only one I use. Similar revolt against mortgage bankers should be launched. "Forgiveness" of debt on the magnitude that AIG, CITI, & B of A got is in order. IRS needs to audit every banker that pockets bonuses in '07, '08, '09. Get money back to the taxpayer.
I want you to send me an email. I am going to take you to a new level. Drop me a message. My business plan is to move forward with your plan and other plans.
Do not worry about the critics. You are standing up for all the people that are being taken advantage of by unbridled greed.
This country runs on debt, as shown by the recent economic crisis. The investment companies survive on speculation and debt, then pass on their losses to us. We pay through taxes and rate increases and have very little choice in the matter.
These bankers, and the cabal they are in association with, in spite of their apparent power, are very afraid of you, their clients, their victims. Use your power and do something about them.
The best solution to any depression or slump in the economy is for every individual to get busy and start creating wealth with his own products or production, as in an innovation, a bright new business, or an energetically-created job, as part of a larger group.
Mr. B of A does not care because, he is a peice of paper. Don't give them a red cent!!! nobody owes these comp. anything. it was all one big S&L scam 100 times worse by these money whores. Scott (BUG)
Ignore the nay sayers. You are trying to break free from the sickening system. The system is designed from the ground up like a skyscraper to steal and rob from citizens.
Had to default a year ago. We were current and on the edge but still able to pay all our bills. When the bottom started to fall out of the Economy The Winter and Sprin of '08 we had to stop paying CCs because their interest rates went up and we were not able to pay utilities and food. It's been over a year and we are now starting to get those offers to settle. We will settle one card company at a time on our terms or they just won't get any money at all.
You are exactly the kind of person who could use my book to best advantage. It's called "Debt Hope: Down and Dirty Survival Strategies" and Ann has read it and endorsed it.
There are very definite things you need to do when you work on settlements ... or you will get screwed. There are some creditors you should settle with before you settle with other creditors ... and there are ways to find out information that helps decide which ones they are.
Rock on! Im with you! Beware, though, this revolt could definitely be dangerous to the economy. But the only way theyre going to see the light is if a lot of people revolt against them. If they help me by reducing my interest rate - and Im talking take it down to 5% - it helps me reduce my debt faster, which also reduces their debtload. They refuse to acknowledge that. My home line of credit is only 2.75% !!! Maybe we also need to all be writing our attorney generals.
Sister I'm right with you, in fact I was hit by Capital One before you and fought back. We also shared the few seconds on national TeeVee, my family and friends were amazed!! That aside, I'm impressed with your 4 points to fight back and agree with all of them. The way I look at it is that they already have my money through the bail out, so any debt I owe any large bailed out bank has been bought and paid for. They call it shares but I say it's a loan repaid by my taxes.
If your business fails, the credit card companies, at least Discover and Advanta, will report the total business debt as consumer debt and destroy your personal credit. If you negotiate you are essentially confessing personal liability and you puncture the corporate shield. If you invoke consumer protection laws, they will call it "business debt". If you invoke business credit laws, they will call it "consumer debt". Say :THANK YOU to your congressmen and DO NOT use Advanta or Discover .
That truly sucks big time. I have never heard of Advanta but did have a Discover for a while, paid it off and never looked back. I'm sure that there are many more out there to avoid, if not all of them. Seems this country started it's great slide into consumer driven economy with the first Gas Cards.
My interest rates have not been raised...oh, yeah, because I don't and never have had a credit card because I know that if it was in ANY OF OUR BETTER INTERESTS to buy things on credit then no companies would offer them. Enjoy your hole, you held the shovel.
i hope that when the time comes that you need to get a loan, that your stupid efforts to screw over someone stabs you in the ass. when your fame ends and your left with nothing, where are you in the end. at the bottom. BE RESPONSIBLE.
If you want to bend over and take a 30% F#$% in the arss, more power to ya!. She IS being responsible.She'll take the hit, just not the F#$%!
"When the time comes to get a loan" ?? You're kidding me right? People are in REAL trouble these days buddy. You think they give a "F#$%" if they're gonna need a loan in the future? They need to get enough money to survive right now! You have just GOT to come down off of that little ignorant golden pedestal of yours and wake up!
Try Discover Card! They have given me the lowest rates....a ton lower than Chase or B of A, and guess what...they even have ENGLISH speaking call reps! THAT's a REAL rarity these days!
There is a difference between bankers protecting themselves against loss and actually creating or forcing that loss. Charge 30% and I would not be surprised that someone would go into default. They are looking for any reason to jack up rates for all the money they've lost.....
God bless you. Your gonna need it. You have opened the flood gates. This went viral alright. Anyone reading some of the postings can see, not only are the LENDERS sick, it is an epidemic of greed, and envy.
My advice is lead by example, as you started out. Don't worry about forming anything except the God given tenacity you already have. You are giving them much more respect than they deserve. Remember Ghandi, and forget about bringing destruction on them. They will find it soon enough.
I completely agree with you about global banks. But as far as God goes as a former JPL employee he flies a starship. You can use deductive reasoning to understand what I'm telling you.
Banks who charge more than 10% interest (the "old" definition of usury) should be taxed at 125% of their income over the 10% interest being charged. Banks should be required to prove the costs associated with their fee schedules (Overdraft, etc.). Anything over 10% above their costs should be taxed at 125%. I am going to start a "Credit Card Offer" reading service and I am going to charge each bank 39.00 (the current Overdraft charge) for each of these offers that hit my mailbox.
Nope. Only ten percent of the money is real. 90% is debt and the banks are required to keep the 10%. It all depends where you are when the music stops.
I've never had an account with any of those big banks & never will. I use a local small credit union. We cut up our credit cards 8 years ago & never use them. We live within our means. People laugh at you for not having a newer car? People stare at my family like we're aliens because we don't have cell phones, cable tv or any of that garbage. WAY ahead of you in that battle! FIGHT ON!!
You gotta be a fucking public employee to say something as ignorant as that.
Either that, or one of the lame fuck ups who hasn't got health insurance and expects the rest of us to babysit you through life. Get a job, asshole, and you'll have your health insurance. And, uh, drop your lame tobacco habit and booze habit... you'll be even better off.
Like I said, you gotta be some lame public employee.
Only a public, GOVERNMENT, employee would support the "bailout" that took public money & handed it over to BofA rather than let them go bankrupt due to their own incompetence.
Thats the government way. Reward incompetence. Thats how you got your job. They hire fuck ups.
I respect your efforts. BOA jacked my rates last fall and I just paid off what I could and transferred the balance to a different card, then closed the account. I just wanted to point out though, that Chase wasn't one of the TBTF banks. They had accepted the funds under government pressure but never used it because it wasn't needed. Then they gave it back as soon as it was allowed. It probably isn't fair to lump them in with BOA, Citi, Lehman, AIG and others.
I have thought for a long time that similar to what you are trying to do, collective bargaining is the key but it has to be organized and ethical. A 'Consumer Union' that is properly managed with the welfare of all consumers as it's core purpose is what we need. Any business would listen to the needs of their customers if the 'Consumer Union' had the collective power to keep their customers away. I think what I would like is an end to the abuses. Good services for a fair price.
I've already done those tips you suggested, haha, when I switched from BOA to a local bank-- THAT's whan I experienced ID THEFT and money stolen from my bank account.
I know several people who were timely payors who had available balances far greater than what they owed and their limits were lowered thus making them maxed out and affecting their credit rating. No bank is better or worse. I say if you are lucky enough to have work, pay your debt, and deal in cash.
aboveyou1...everyone's paying a higher interest rate right now b/c people like Ann are defaulting on their unsecured loans left and right. In the end, people with good credit histories like you and me get screwed and we wind up paying for Ann's irresponsibility. And, now she's advocating that people stop paying taxes! This lady is CRAZY! If she doesn't pay her taxes, as she threatens to do, now I have to pay for her incarceration at Sing Sing. Great plan Ann, way to screw your fellow citizens.
Yeah listen to what she said BillB. She is trying to pay off her credit card, in the first video, and the video about talking to the VP, she made it to me, an educated person thats not up the banking elite's butt, that SHE HAD been making her payments on time. She had no verifiable of a missed or late payment AT ALL, and yet even though she paid her bill on time, for YEARS, they still raised it, just like they raise the rates of other good loyal paying customers. We have 2 ears for a reason.
Most people who accepted credit cards had no clue what it takes to maintain a score to keep from causing one's credit interest rate to go up. Late fees & over limit fees were designed to cause a card holder to lose their good rates & bring back the default rate which is higher. Why is there an over limit fee? A rep from one of my CC's explained that it was to allow you to go over your limit & avoid the embarrassment of being declined when making a purchase. How they can twist their purpose!
I soagree with you Ann. My hubby and I have a credit score over 800. Weve worked hard for 26 years yet we are paying up to 18% on our apr. So to your critics I say what good is a great credit score if your being charged like everyone who doesnt have good credit? Im gonna do exactly what you did. I dont care what anyone thinks. I pay my bills on time, always have. So Im looking forward to hearing more about you Ann and your cause, Im with you 100%.
Put your money in a local bank ? you mean the ones being closed by the FDIC and assimilated by the big banks ? Are you kidding ? The problem starts with THE FEDERAL RESERVE BANK.
telling those to CLOSE credit accts - that can affect your score - true don't use them - pay them down or OFF but do not close - part of how our crazy credit reporting system works
her credit score is shot anyway; The only thing is she might not get a loan from a different bank b/c of her payment history. I wouldn't loan her $ that's for sure.
True - but she is recommending this to other viewers that may think of doing this ......consumers need to be savvy as to what affects credit scoring BESIDES payment history - we can all make a statement to conv banks by doing some of what she suggests and play the game to our advantage
These rate hikes are put on the people to pay for the ones who don't pay. Here is a tip for all the big bank tycoons, stop giving credit cards to people you know can't pay. Chase is yet another company that has taken tax dollars and now is screwing the people who pay. I agree pull your support from all of the big loan tycoons. Bury your money in the back yard. remember this they can't get blood out of a turnip!! tell them to stick it!!!
ur right silly ones just dont get it. im like you just tryin to pay bills and they give us all such a hard time. im with you gurl..lets do this. im all for what is right and hust too. God bless you hun. hugs to ya.
And, if you really wanted to solve the problem, simply transfer your balance to a card with with a 0% introductory rate and no transfer fees. Then, stop doing business with BoA and get on with you life. NO ONE is going to join your "ARMY." The rest of us enjoy our good credit rating! YOU'RE the reason banks are struggling. You borrowed $ from BoA and then refuse to pay them. My 4 year old daughter knows that if you borrow something you have to give it back!
the more videos this woman puts up the more convinced I am that she'll never get it. You're not a "regular" person. Regular people pay their bills on time. You should have educated yourself BEFORE you started using your credit cards (rate increases are CLEARLY explained in the disclosure statements.) And, if you would have taken your 4 point advice from the get go YOU WOULDN'T BE IN THIS SITUATION! Your just another example of a person who refuses to take accountability for their mistakes.
Great job, finally somebody is doing something for the people. The big corporations when in trouble all they have to do is file for brankcrupcy, or they get aid from the government. After a short time is back to business as if nothing happened. But us? who is with us? When BOA is raising our taxes who is with us?. If in a different time I would not even complain. But we are currently facing difficult times and we are strugling to make ends meet. On top of that BOA increase our interest
The dollar is nothing but worthless electronic credits. The banking system is fraudulent and so are all the debts to it. But then they lay on a 30 percent interest on money which is fraudulent and non existent to begin with. This is too much mafia. It is time for a debtors revolt. The banksters deserve nothing, accept maybe some tar and feathers.
YES, YES, YES!! You go girl! Same thing happened to me with Bank of America!! They randomly hiked up my ccard rate fm 9% to 27%. I have (had) a perfect 30yr credit history until then.... Tried to reason w/them for 4 yrs. Finally closed all 4 of my accounts and severed a 25 yr relationship with them. THANK YOU for doing this! Namaste' & keep up the good work.
People are in debt because the corporations and banks encouraged debt to fuel the unending consumerism required to sustain a capitalist constant growth economy. The problem is that it truely is unsustainable and they are running out of consumers fast. She is absolutely right, STOP DOING BUSINESS WITH THESE CORPORATIONS!!! so they will collapse.
It really sucks for the people who are getting screwed by the banks. The problem is that some of these commentors seem to want to use things like this as an excuse not to pay off their debts.
The government should have given every taxpayer a check for $100,000.00 instead of the banks. People would have paid off their debts, the banks would have their money, the money would be moving, there wouldn't be a recession and it would have been a lot cheaper for the government.
Exactly. I have been saying the exact same thing for months. And it would have been cheaper. Created jobs. Stopped foreclosures.But then the BIG, CORRUPT FUCKS at the top wouldn't have been able to steal their piece of the pie.
Why doesn't God just find you a great paying job so you no longer have any financial problems? God lets millions die of thirst, hunger, AIDS but he has a specific interest in BOA? Please explain.
Ohiogorilla77, your answers are in the bible. Try reading it. Ann is doing a great job. I pay Chase $130.00 a month, of that $98.00 goes to interest. I have always paid on time. When I opened this account I was led to believe the rate would be a low fixed interest. I never thought they would raise it that high. I will never pay it off at that rate so why try. If I don't pay, I can save that money in my bank till they offer me the original contract price, otherwise they can get screwed.
P.S. I have always paid ontime every time. Usually 2 weeks early. They are rude to me too. I agreed to the original terms. Just because I didn't have time to drop everything I was doing everytime they sent a notice and read the fine print and respond shouldn't give them the right to steal off me.
P.S. It would be like a Jew in a Nazi concentration camp saying they prayed to GOD for the Allies to liberate them & GOD answered their prayers. But not before 6 million were tortured to death.
mightymistressbb1, I don't disagree with anything she is doing or saying. I agree that they are greedy pricks that prey upon the unfortunate to line their pockets. But I find it hard to believe GOD stepped in & helped this message get it"s amount of exposure because she prayed.
No. I'm not angry at God. I don't believe he gets involved. I don't believe he helped get her message out. It's like after a sporting event and one of the players says "First I'd like to Thank God for the victory". So God favors one team over the other? Is he a Yankees fan or Red Sox?
You can't negotiate a lower rate yourself. You have to go thru a Debt Management firm who will charge you a monthly fee to negotiate a lower rate. Then the card issuer will get a percentage of the fee from the debt management firm. Something like extortion. Pay the higher rate or pay the monthly fee.
You can absolutely negotiate a lower rate yourself. Just call up the cc company. If they tell you no, then call them back in a few months and try again. It's more difficult now with the credit crisis, but it can certainly be done.
why don't you guys shut up about her saying "GOD"! are you scared or something? everytime someone says GOD ppl get their panties twisted up their a**!
You're awesome rockerchick! i appreciate you being so outspoken about these thieves. next will be the junk debt collectors that harass ppl for a debts that was never theirs!
it would be so much more cooler if you left "god" out of it and took credit for it yourself, you are strong and thats that great job keep it up fuck the debtors.
Good for you Rockerchick! Although I don't have a BofA credit card, my husband and I have been massively dinged with their debit card policys. There's been alot in the news lately about it. I went into my local branch and they were able to reverse the charges for me when I said that although we've been with BofA for over 20 years we're preparing to close our accounts and leave. We're paycheck to paycheck 'Jesus Freaks' too! Just wanted to say Fight the Good Fight Sister! :) In Christ, Deb
I am paying off all my credit cards and they can rape others. I have First Premier I had two cards, cancelled one two weeks ago, they want to charge monthly usage fees, high annual renewal, and even want you to pay to pay your credit card! So Thank you for uprising! I am on board with you.
Good points all, Rockerchick and I'm already doing them. Regarding #2, however, I'd say GET RID of your credit cards ENTIRELY, don't just switch from one to another. They are ALL equally EVIL.
We can have a peaceful revolution in this country if we simply decide to quit doing business with those that are screwing us...buy local...dont shop at walmart,use a local bank,...DONT NOT VOTE FOR ANY INCUMBENT PERIOD!! If we will do this we can change for the better...if we dont....then the enemy is us...not them
Don't settle for the 12%! They can do BETTER!!! I had Bank of America CLOSE my accound in trade for 3.75% interest!!! I ALSO refused to pay...and they agreed to this. I may really pay this account off now
I wish that we could cut off our service with all these corporations but its impossible. You can never get a whole population probably not even 10% of americans could stop using corporations.
Stop doing corporations work for free and putting other people out of work. Don't check yourself out at Home Depot or the grocery store. Don't pay online. Stop outsourcing to yourself. Complain to companies that send your customer service calls to India or wherever. Buy made in the USA.
As you put, WOW rockerchic I sure hope that everything I hear and see is really not what is there and happening. I watched a youtube video today that talks of a new world currency and another that talks of the market crashing oct. of this year and still I sit here with nothing prepared to survive or protect my family. So I guess I should pray but also start to prepape some gear just incase it is needed.........Rick
Another thing the banks are doing (its a little thing but watch out for it) they are taking alot longer to process deposits, I made a deposit Saturday and it was just credited today wednesday. If I hadn't waited for it to clear it may have caused problems use to be these deposits would be credited the next day.
wolftreetree 1 year ago
When EVERYTHING at the stores is imported : MADE IN CHINA ,
it should all be free goods ,its Traded for with Assets owned by the American And Canadian peoples ...assets such as jobs ,American/Canadian owned companies and materials.
WHY WOULD YOU PAY A PENNIE FOR WHAT WAS YOURS ALREADY ?
You would collect a rental ,
ACCEPT IT FOR VALUE ,DO NOT PAY FOR IT WITH YOUR DEPT MONEY !
canadastreetmedia 1 year ago
another working plan that could bankrupt them once and for all.
1) Get friends who will work in a co-ordinated strike.
2)(optional) take a short position with the bank's stocks (if still legal)
3) ALL take a loan out on the same day from the same bank.
4) ALL DEFAULT
5)bank goes bust
6)????
7)PROFIT
8) Hit the next bank.
whydidigetdeleted 1 year ago
Bank of America is CRIMINAL. Besides all the things they do to credit cards, they are the MAIN PERPETRATOR of Foreclosure Fraud, throwing people out of their homes by forging the documents. DEMAND that your bank produce YOUR ORIGINAL mortgage note with your "wet ink" signature (a copy is insufficient, just like a copy of a dollar bill is not a dollar). If the bank cannot produce YOUR original signed note, they can be sued for the mortgage amount +3 times the amt. They've been caught FORGING.
GThomason 1 year ago
Four good points! I think I would amend #2 by saying not just pay your balance off on time but get rid of the credit card alltogether and instead use a DEBIT card only (according to Dave Ramsey). Yes, learn to live a more simple life style and as you've said get out of debt. And if you NEVER borrow money, don't have a credit card and pay all your other normal bills on time your credit score will go to zero.....just the score I'm striving for. High score means you borrow to much money!
behindeverybush1 1 year ago
I have a friend who wrecked a rental car and was charged 25K on his credit card.
You have to hide income and employer info or they'll sue to garnish wages. Lay low, quiet, until the statute of limitations runs out for them to sue, and you've beat the system.
Z
Usurpish 1 year ago
The American economy is a bipolar economy.
SunnyIllusion 1 year ago
Your 4 point plan is the usual financial practice of Japanese people. WHen I told them about the American financial system they couldnt believe it. I will make a video soon about the banking system in Japan. I really believe that most american people are in a literal slavery and the American dream was only a trap. One thing is that people should stop using checks and use cash when you can. SOmetims banks withhold checks causing the account to go into the negative.
khalilahinjapan 1 year ago
U rock
CharUSAIdaho 1 year ago
Yankees need a tax revolt too !!
TeamLibertyExpress 1 year ago
I lost my job a year agor and the credit card companys would not work with me so six months later when all the cards went into collections all I did was send them a validation letter and the response was that they could not verify the debt! So long about $77.000 dollars of dept! They didn't what to work with me, OK back to work pay cash for everything and life is a lot easyer
buster1173 1 year ago
@buster1173 Ah, you did your homework!
Yes, after 6 months, the banks get their money from their insurance company, then SELL your debt to a third party collection scum who tries to make a profit without validation of the debt. Every american should know their legal rights with credit cards.
By the way, BoA's stocks are still going up, so they're obviously not getting hurt by us not paying off our credit cards. -Imagine that! We stop paying them, and they still make a profit.
PatrioticInsurgent 1 year ago
@PatrioticInsurgent its a lie. B of A is bankrupt with many millions of dollars of mortgages unpaid but still used on their books as par investments at full value. THe stock markets are controled they do not tell us the health of a corp. Executive brance secret plunge protection team and the Ulitmate evil counterfiter Fed reseve bank , who creates money at no cost, digitized and unaccountable to anyone, Counsel on forign markets. We live in a lie a huge lie.....
pure2warrior 1 year ago
@pure2warrior On Max keiser.com he reports that over this past weekend the Fed ponied up another 4 to 10 billion dollars to keep B of A's ponzi scheme going.
Ciaresayton 1 year ago
I am finally completely o/of debt!! No more calls from collection agencies!! In fact, I call them to make sure my credit reports are updated!! I charge on my credit cards only to keep them active, and I always make sure the $ is in my bank accts b4 charging, and only small small amounts are charged (like $25-$50.) I pay off the balances ea. month, sometimes I over pay. Debt is a four -letter word to me now!!! Simplify, simpifyl & simplify is my creed!!
lovecritters 1 year ago
Principle and power...like it.
AccuracyMarked 2 years ago
i'm broke, can't pay. wish i could.
MrWolf666 2 years ago
Illuminated Royal Bank of Canada wants me to pay 45.00 usd for a sandwich and diet pepsi from walmart.
overdraft fee.
1stTimothy6KJV 2 years ago
It has been years since I have had a bank account or credit card. Now, I will use pre-paid credit cards if necessary. I am almost completely off any grid and am as free as is possible. You do not have to live under their rules. I don't even care if people don't pay all their monies owed anymore, in fact I hope they don't. Destroy the entire fake system by peaceful means as long as that option is available. Keep up the good work!
wingsuitfreak 2 years ago
Please understand clearly. Banksters do not lend ANY of their own money. In fact they create ALL Loans from thin air!.
That is why they have toxic loans amounting into the trillions.
largestones 2 years ago
OK.here's how stupid these banks are. I have 2 Citicards amongst others. Total balance on cards about $5000. They raised my rates to 29.9. I was never late and made them a F*** ton of money over all these years. So, I got a loan from a local bank at roughly 7% or so, and paid off the cards. I now pay off any balance immediately. So, to the dumbass bankers, You used to get 14% on 5-7000 dollars. Now you make 29.9% on ZERO. You do the math morons. You've basically lost one of your best customers.
gerig1 2 years ago
Sorry the real problem is the property ovnership.
Also all resouces are theirs so there will be many types of blockades ahead.
They also take out people in about 20% slices.
So the next slice has no trouble att all in sigth during the next decade.
So have fun submitting.. :) :)
Blobblogger 2 years ago
I have a question: isnt it that the small local banks park their money in big banks that tell the small ones to earn big interest with it? like with all pension and life insurers, they all put the money to big banks and the state, that assures to pay interest. it seems to me domino day is coming, because the whole money system based on interest is a ponzi scheme. can you believe that?
Lightalight 2 years ago
Yes it is a ponzi scheme, but like Madoff this one is going to implode. Stick with the credit unions -- they are owned by depositors, not shareholders.
thecornerangel 2 years ago
Throw your money into the streets, let it fly in the wind from tall buildings, and line the gutters. Your money is infectious; contaminated. Let it pile up on the lawn of the courthouse. When creditors want payments and the court wants a fine,or, foreclosure, tell them to get their money that's piled up outside and drifted into heaps. It's all wasted worthless, anyway.
brassnipper 2 years ago
I hope that you will be free of debt my sister, there is nothing worst than having that kind of worry, take care and i will pray for you, i will do that because it's obvious to me that you are one great woman, think positive love,
^Batcat^ out
xoxoxox
Batcat1313 2 years ago
How bout that TD Bank......
siciliancocaina187 2 years ago
ANN your my hero!!!!!!! im with you!!! your our fearless leader!!!!! We have been waiting for you!
gerkgreazy 2 years ago
Hi 407buddy i believe we are just plain too much TV, Alum metal in are food and a jackass controlled goverment and 3 sec attention span super consumption of earth resoucres yeap were plain Dumb.
HGSpaceTime 2 years ago
Love most of these ideals and already live them for years! The NEXT big issue for Americans is BREAKING the STRANGLE hold of the FEDERAL RESERVE BANKS !!! It's CRAZY that WE THE PEOPLE have to PAY INTEREST on OUR MONEY !!! I will be doing some videos on this subject SOON !! Live Long and Prosper !!
hybeerian 2 years ago
I told Discover Card off last week. They won't get any more payments until they reduce my interest rate and remove the predatory fees. I suggest local credit unions if your local banks have been swallowed up by the BIG BASTARDS.
CreamyDove 2 years ago
epic fail^
rebelsoldier1860 2 years ago
i posted the first...and i done the same with this one thankyou...pptree
TheFreedomWatch 2 years ago
Personally, I love paying $25/month just for the service fee and having the payment go up every month no matter what I do. NOT!!!
neisy2362 2 years ago
"local community bank"....hmmmmm. all mine were bought by global banks
Good idea though.....cut off their money.
Don't give any to attorneys or politicians either unless they are fighting for the cause.!!
Bravo to you RockerChic.
rialcnis 2 years ago
Moody's and Fitch both agree that the chargeoff rate will run at above 11% through the middle of next year. That means that an awful lot of credit card bank operations are going to be under an awful lot of financial pressure.
No problem! They can raise their customers' rates at any time for any reason! Meaning that a lot of you are going to get pushed under the bus.
If that happens to you, you need my book, period. Ann endorses it. 150 pages, 180 footnotes, it's what you need to know.
DebtNavigation 2 years ago
Here's a better idea for your "revolt" that won't leave responsible people that pay their bills on time to pay for the mess you create. Pay off your debt, close the account and never borrow money on a credit card again. If you need something expensive try to SAVE for it. Get a second job working part time.
Deadbeat.
MrQuestionAuthority 2 years ago
Here's the deal folks: the banks are squeezing everybody and when their squeeze pushes some over the edge they have to squeeze those who remain all the harder. Look into Advanta Bank and what's happened to it, because that's the template for what's happening to the other major banks.
Ann Minch is fighting back, and so should you ... but if the banks have already pushed you under then you need to know how to fight against what comes next--and that's where my book comes in. Check my channel.
DebtNavigation 2 years ago
^ This guy is a scam, he is just trying to sell a book....
rebelsoldier1860 2 years ago
CHASE is the WORST. Taking taxpayer money and more than doubling our minimum payments from 2-5%.
FRIENDS DON'T LET FRIENDS US CHASE CREDIT.
PLEASE POST/REPOST - pass it on
Jerryahrens 2 years ago
Rockerchic4God be a little more white trash cuz i am pretty sure that whats God wanted, the South to spout nonesense for him while lookiing like a fucking hooker, God must be SOO proud of his Daughter at work. Christ, fucking trash who push God for all kinds of fucked up BS well i just despise them and the fucks who critism me using the F word, well God would critise your using the G Od word for your fucking BS!!!
laceyschism 2 years ago
bank of america are fucking criminals boycott your bank tell your creditors to go fuck themselves
homogenik1 2 years ago
Citi Bank tried that crap with me and I closed my account. Now they send me a couple of Citi Saphire Card offers a week. I don't think so. Hah !
I have several accounts at Bank of America - If you try this crap with me all my accounts go to my Credit Union. I only bank with you {15 Years}because of your ATM network. We aren't friends - this is a business arrangement.
If you are being bilked write the Federal Banking Comission. Try Googling them.
Simple is so much easier - No stress.
ETHANHALL 2 years ago
Bank of America tried the interest rate hike on me. I am closing all accounts and a fast balance transfer to a local credit union. No more purchases on my debit card from Bank Of America. No more interest at all from Bank Of America. They have lost a customer forever and my daughter is 18. We are closing her account tomarrow. This will not be tolarated in the old and young community. Bank of America will sink in the end
waterbumb2001 2 years ago
Ann, IGNORE all the neg comments. So far they are clueless and cannot grasp the facts.
BOFA (BAILOUT THIEVES) have ALWAYS BEEN THIEVES!
EVERYBODY needs to CLOSE BOFA ACCOUNTS!
In my business I see a lot of other peoples financials and BofA ALWAYS charges the most and invent ridiculous charges as if to suit the situation. They charge the highest rates on every mortgage, line of credit, etc., Meanwhile they pay the lowest rate on all their deposits.
CLOSE these BAILOUT thieves out of business!
ela7145367030 2 years ago
Ann, IGNORE all the neg comments. So far they are clueless and cannot grasp the facts.
BOFA (BAILOUT THIEVES) have ALWAYS BEEN THIEVES!
EVERYBODY needs to CLOSE BOFA ACCOUNTS!
In my business I see a lot of other peoples financials and BofA ALWAYS charges the most and invent ridiculous charges as if to suit the situation. They charge the highest rates on every mortgage, line of credit, etc., Meanwhile they pay the lowest rate on all their deposits.
CLOSE these BAILOUT thieves out of business!
ela7145367030 2 years ago
after 32 seconds in, i realized it, shes a zealot who believes GOD over reality and I am a catholic, fuck idiots who use the bible to their own ends! dont like what the banks are doing???? fuck off and be smarter, not that hard to stop people from taking your money if you have half a brain in your fucking head. FUCK PEOPLE ARE DUMB
laceyschism 2 years ago
I am so sorry you call yourself a Catholic as all churche of Christianity belong to God..to Jesus..Please do us all a favor, the language you use does not conote any intelligence or FAITH of any kind
onlybarbieiam 2 years ago
churche is not a word. Church with no E is a word. Conote is not a word either your dumb fucking cunt white trash who has no respect for anything religious and should just stop fucking talking. comment on my language some more and I will comment on what A useless piece of fuck you are.
laceyschism 2 years ago 2
Banks didnt cause the problem, keeping up with the joneses did. now go try to save 25 G's to buy your your new car, or refigerator, or that new TV. Hey, welcome to the rest of the world, AMERICA THE GREATEST.
agentdoubleozero 2 years ago
Here's the deal folks: the banks are squeezing everybody and when their squeeze pushes some over the edge they have to squeeze those who remain all the harder. Look into Advanta Bank and what's happened to it, because that's the template for what's happening to the other major banks.
Ann Minch is fighting back, and so should you ... but if the banks have already pushed you under then you need to know how to fight against what comes next--and that's where my book comes in. Check my channel.
DebtNavigation 2 years ago 3
keep the cards. you need them for credit reports. keep o% balances and use them once every six months (buy a burger , pack of gum or something) to keep them active. it drives the banks nuts. I am what they refer to as a deadbeat. and very proud of it. I have nearly 50,000$ in available credit and owe the rat bastards nothing except the spit on my forever stamps.
witgw 2 years ago
I paid Citibank and Capital One balances off in full when "new policies" were announced. They kept charging me interest on $0 balances for several months & notified monitoring comrades of "late payments". Credit union card is only one I use. Similar revolt against mortgage bankers should be launched. "Forgiveness" of debt on the magnitude that AIG, CITI, & B of A got is in order. IRS needs to audit every banker that pockets bonuses in '07, '08, '09. Get money back to the taxpayer.
dleslie717 2 years ago
I want you to send me an email. I am going to take you to a new level. Drop me a message. My business plan is to move forward with your plan and other plans.
rslmartin27 2 years ago
Do not worry about the critics. You are standing up for all the people that are being taken advantage of by unbridled greed.
This country runs on debt, as shown by the recent economic crisis. The investment companies survive on speculation and debt, then pass on their losses to us. We pay through taxes and rate increases and have very little choice in the matter.
akamoniker 2 years ago 5
These bankers, and the cabal they are in association with, in spite of their apparent power, are very afraid of you, their clients, their victims. Use your power and do something about them.
The best solution to any depression or slump in the economy is for every individual to get busy and start creating wealth with his own products or production, as in an innovation, a bright new business, or an energetically-created job, as part of a larger group.
You don't have to bow to these guys!
Allways27 2 years ago 3
Comment removed
freeflyva 2 years ago
even those lil banks don't care about ya. don't kid yourself.
vincentvangro 2 years ago
Hey, your kinda HOT! I'm not as deep as shit as you are BUT THEY F'ing caused the problem, and now, they want us to pay for it,..........BS!
Stingray3440 2 years ago
Mr. B of A does not care because, he is a peice of paper. Don't give them a red cent!!! nobody owes these comp. anything. it was all one big S&L scam 100 times worse by these money whores. Scott (BUG)
believersunderground 2 years ago
kudos, brave lassie. you are well-spoken, intelligent and on the right side of the issue.
baremetal 2 years ago
throw the jew down the well
rikestard 2 years ago
follwed by the christian, the arab, the buddhist and then you.
LIBshark 2 years ago
Ignore the nay sayers. You are trying to break free from the sickening system. The system is designed from the ground up like a skyscraper to steal and rob from citizens.
Anothercoilgun 2 years ago 2
Here's a grand idea: Don't use a credit card [or at the least pay it off in full each month] and you wont have a problem !
LIBshark 2 years ago
Exactly, pull all your funds out. Oh wait I cant give up my debit card its sooo handy. Do ANY of your credit cards say CREDIT CARD, no they dont.
Research and learn their fraud.
fxhedger 2 years ago
Had to default a year ago. We were current and on the edge but still able to pay all our bills. When the bottom started to fall out of the Economy The Winter and Sprin of '08 we had to stop paying CCs because their interest rates went up and we were not able to pay utilities and food. It's been over a year and we are now starting to get those offers to settle. We will settle one card company at a time on our terms or they just won't get any money at all.
skybari 2 years ago
skybari
You are exactly the kind of person who could use my book to best advantage. It's called "Debt Hope: Down and Dirty Survival Strategies" and Ann has read it and endorsed it.
There are very definite things you need to do when you work on settlements ... or you will get screwed. There are some creditors you should settle with before you settle with other creditors ... and there are ways to find out information that helps decide which ones they are.
It's all in my book. Check my channel
DebtNavigation 2 years ago
Rock on! Im with you! Beware, though, this revolt could definitely be dangerous to the economy. But the only way theyre going to see the light is if a lot of people revolt against them. If they help me by reducing my interest rate - and Im talking take it down to 5% - it helps me reduce my debt faster, which also reduces their debtload. They refuse to acknowledge that. My home line of credit is only 2.75% !!! Maybe we also need to all be writing our attorney generals.
floundering2 2 years ago
Sister I'm right with you, in fact I was hit by Capital One before you and fought back. We also shared the few seconds on national TeeVee, my family and friends were amazed!! That aside, I'm impressed with your 4 points to fight back and agree with all of them. The way I look at it is that they already have my money through the bail out, so any debt I owe any large bailed out bank has been bought and paid for. They call it shares but I say it's a loan repaid by my taxes.
Boomer1949 2 years ago
If your business fails, the credit card companies, at least Discover and Advanta, will report the total business debt as consumer debt and destroy your personal credit. If you negotiate you are essentially confessing personal liability and you puncture the corporate shield. If you invoke consumer protection laws, they will call it "business debt". If you invoke business credit laws, they will call it "consumer debt". Say :THANK YOU to your congressmen and DO NOT use Advanta or Discover .
machobunny1 2 years ago
That truly sucks big time. I have never heard of Advanta but did have a Discover for a while, paid it off and never looked back. I'm sure that there are many more out there to avoid, if not all of them. Seems this country started it's great slide into consumer driven economy with the first Gas Cards.
Boomer1949 2 years ago
Interest is the devils shackles on us
nowareman 2 years ago
My interest rates have not been raised...oh, yeah, because I don't and never have had a credit card because I know that if it was in ANY OF OUR BETTER INTERESTS to buy things on credit then no companies would offer them. Enjoy your hole, you held the shovel.
postyesterdayman 2 years ago
i hope that when the time comes that you need to get a loan, that your stupid efforts to screw over someone stabs you in the ass. when your fame ends and your left with nothing, where are you in the end. at the bottom. BE RESPONSIBLE.
Toasterfree 2 years ago
Hey Toasterfree!,
If you want to bend over and take a 30% F#$% in the arss, more power to ya!. She IS being responsible.She'll take the hit, just not the F#$%!
"When the time comes to get a loan" ?? You're kidding me right? People are in REAL trouble these days buddy. You think they give a "F#$%" if they're gonna need a loan in the future? They need to get enough money to survive right now! You have just GOT to come down off of that little ignorant golden pedestal of yours and wake up!
Candlejusblew 2 years ago
when do we have the taxpayers revolt??? We're still not paying for this whole bailout stimulus bullshit yet.
userid8765 2 years ago
Don't forget about Goldman Sacs!!
bkrn4 2 years ago
Try Discover Card! They have given me the lowest rates....a ton lower than Chase or B of A, and guess what...they even have ENGLISH speaking call reps! THAT's a REAL rarity these days!
cant9562 2 years ago
A segment about Ann will be on tonight's INSIDE EDITION. Check your local listings.
DebtNavigation 2 years ago
The downfall of this nation that you refer to is your own attitude toward borrowing money.
Using a credit card is Borrowing Money. Don't Borrow Money, and you'll never have this problem.
Lenders have to protect themselves against loss, charging higher rates is one of the only ways they can do this.
You should be happy that you have anyone at all willing to lend to you. They are the only thing between you and severe financial difficulty.
andharvey8 2 years ago
There is a difference between bankers protecting themselves against loss and actually creating or forcing that loss. Charge 30% and I would not be surprised that someone would go into default. They are looking for any reason to jack up rates for all the money they've lost.....
mach1fed 2 years ago
God bless you. Your gonna need it. You have opened the flood gates. This went viral alright. Anyone reading some of the postings can see, not only are the LENDERS sick, it is an epidemic of greed, and envy.
My advice is lead by example, as you started out. Don't worry about forming anything except the God given tenacity you already have. You are giving them much more respect than they deserve. Remember Ghandi, and forget about bringing destruction on them. They will find it soon enough.
pjamesbda 2 years ago
god bless you ma'am keep up the good work.
nmm12nmm 2 years ago
I'm totally with you
ArdDruid1 2 years ago
I completely agree with you about global banks. But as far as God goes as a former JPL employee he flies a starship. You can use deductive reasoning to understand what I'm telling you.
halo214r 2 years ago
Again, Ann YOU ROCK! I am with you, can't wait until you get your website up and running.
ARAIZINGSUN22 2 years ago
Banks who charge more than 10% interest (the "old" definition of usury) should be taxed at 125% of their income over the 10% interest being charged. Banks should be required to prove the costs associated with their fee schedules (Overdraft, etc.). Anything over 10% above their costs should be taxed at 125%. I am going to start a "Credit Card Offer" reading service and I am going to charge each bank 39.00 (the current Overdraft charge) for each of these offers that hit my mailbox.
dankc908 2 years ago
Here's my 4-point approach:
1. DO
2. NOT
3. BORROW
4. MONEY
Easy, ain't it?
CVSoprano 2 years ago 5
Nope. Only ten percent of the money is real. 90% is debt and the banks are required to keep the 10%. It all depends where you are when the music stops.
jadcock73 2 years ago 2
Comment removed
steveh777ify 1 year ago
I've never had an account with any of those big banks & never will. I use a local small credit union. We cut up our credit cards 8 years ago & never use them. We live within our means. People laugh at you for not having a newer car? People stare at my family like we're aliens because we don't have cell phones, cable tv or any of that garbage. WAY ahead of you in that battle! FIGHT ON!!
Requip2007 2 years ago
I've been a customer of BofA for about 30 years and I have to say I haven't really had any complaints.... except one.
They took the Federal "bailout" money which was OUR money... public money. They stole our tax money and the FEDS gave it to them.
The FEDS have ruined our entire country.
The FEDS now want to "manage" our health care?
I don't think so.
FUCK YOU, Feds.
robertmartinez 2 years ago
So robertmartinez, a private corporation behaves badly and you blame the *government*?! Stop being a chump and focus your wrath where it belongs.
Sawtooth22 2 years ago
You gotta be a fucking public employee to say something as ignorant as that.
Either that, or one of the lame fuck ups who hasn't got health insurance and expects the rest of us to babysit you through life. Get a job, asshole, and you'll have your health insurance. And, uh, drop your lame tobacco habit and booze habit... you'll be even better off.
You fucking idiot. lol.
robertmartinez 2 years ago
Wow, your the man. Wish I could be like you.
Your a self righteous little prick, remember this when you are pilfering through a dumpster.
pjamesbda 2 years ago
LOL.
Like I said, you gotta be some lame public employee.
Only a public, GOVERNMENT, employee would support the "bailout" that took public money & handed it over to BofA rather than let them go bankrupt due to their own incompetence.
Thats the government way. Reward incompetence. Thats how you got your job. They hire fuck ups.
robertmartinez 2 years ago
By the way. When you stated "your" .... you meant to say "you're" as in "you are."
But, thats just you being a fuck up. Mouthing off and demonstrating that you were just too cool in school to study and now you know all the answers :)
robertmartinez 2 years ago
I respect your efforts. BOA jacked my rates last fall and I just paid off what I could and transferred the balance to a different card, then closed the account. I just wanted to point out though, that Chase wasn't one of the TBTF banks. They had accepted the funds under government pressure but never used it because it wasn't needed. Then they gave it back as soon as it was allowed. It probably isn't fair to lump them in with BOA, Citi, Lehman, AIG and others.
fascion13 2 years ago
I have thought for a long time that similar to what you are trying to do, collective bargaining is the key but it has to be organized and ethical. A 'Consumer Union' that is properly managed with the welfare of all consumers as it's core purpose is what we need. Any business would listen to the needs of their customers if the 'Consumer Union' had the collective power to keep their customers away. I think what I would like is an end to the abuses. Good services for a fair price.
shpwrek 2 years ago
I've already done those tips you suggested, haha, when I switched from BOA to a local bank-- THAT's whan I experienced ID THEFT and money stolen from my bank account.
dudeulartv 2 years ago
I know several people who were timely payors who had available balances far greater than what they owed and their limits were lowered thus making them maxed out and affecting their credit rating. No bank is better or worse. I say if you are lucky enough to have work, pay your debt, and deal in cash.
illgodownfighting 2 years ago
aboveyou1...everyone's paying a higher interest rate right now b/c people like Ann are defaulting on their unsecured loans left and right. In the end, people with good credit histories like you and me get screwed and we wind up paying for Ann's irresponsibility. And, now she's advocating that people stop paying taxes! This lady is CRAZY! If she doesn't pay her taxes, as she threatens to do, now I have to pay for her incarceration at Sing Sing. Great plan Ann, way to screw your fellow citizens.
billb0313 2 years ago
you obviously don't get it do you? You might want to listen to what she said. Quit being a baby you are already screwed.
justamom003 2 years ago
I agree that BillB is a baby.
breemystic 2 years ago
Comment removed
Requip2007 2 years ago
Yeah listen to what she said BillB. She is trying to pay off her credit card, in the first video, and the video about talking to the VP, she made it to me, an educated person thats not up the banking elite's butt, that SHE HAD been making her payments on time. She had no verifiable of a missed or late payment AT ALL, and yet even though she paid her bill on time, for YEARS, they still raised it, just like they raise the rates of other good loyal paying customers. We have 2 ears for a reason.
breemystic 2 years ago
Most people who accepted credit cards had no clue what it takes to maintain a score to keep from causing one's credit interest rate to go up. Late fees & over limit fees were designed to cause a card holder to lose their good rates & bring back the default rate which is higher. Why is there an over limit fee? A rep from one of my CC's explained that it was to allow you to go over your limit & avoid the embarrassment of being declined when making a purchase. How they can twist their purpose!
yruohk 2 years ago
So what do you do when they change the limit to lower than what you owe them? While you act responsibly.
justamom003 2 years ago
I soagree with you Ann. My hubby and I have a credit score over 800. Weve worked hard for 26 years yet we are paying up to 18% on our apr. So to your critics I say what good is a great credit score if your being charged like everyone who doesnt have good credit? Im gonna do exactly what you did. I dont care what anyone thinks. I pay my bills on time, always have. So Im looking forward to hearing more about you Ann and your cause, Im with you 100%.
aboveyou1 2 years ago
Congratulations, Ann, I salute you, good luck!
Jamo1973 2 years ago
Put your money in a local bank ? you mean the ones being closed by the FDIC and assimilated by the big banks ? Are you kidding ? The problem starts with THE FEDERAL RESERVE BANK.
SteveCannon2007 2 years ago
The FDIC is borrowing money from banks because it's insolvent. WTF
It's insane. I agree The Federal Reserve is the primary source.
fortsmith1 2 years ago
I agree with all you say - BUT be careful with
telling those to CLOSE credit accts - that can affect your score - true don't use them - pay them down or OFF but do not close - part of how our crazy credit reporting system works
jmcdamcc 2 years ago
her credit score is shot anyway; The only thing is she might not get a loan from a different bank b/c of her payment history. I wouldn't loan her $ that's for sure.
billb0313 2 years ago
True - but she is recommending this to other viewers that may think of doing this ......consumers need to be savvy as to what affects credit scoring BESIDES payment history - we can all make a statement to conv banks by doing some of what she suggests and play the game to our advantage
jmcdamcc 2 years ago
These rate hikes are put on the people to pay for the ones who don't pay. Here is a tip for all the big bank tycoons, stop giving credit cards to people you know can't pay. Chase is yet another company that has taken tax dollars and now is screwing the people who pay. I agree pull your support from all of the big loan tycoons. Bury your money in the back yard. remember this they can't get blood out of a turnip!! tell them to stick it!!!
sirenshayla 2 years ago
Debt is all about subjegation.
Things are happening. They are important.
bobbygnosis 2 years ago 2
ur right silly ones just dont get it. im like you just tryin to pay bills and they give us all such a hard time. im with you gurl..lets do this. im all for what is right and hust too. God bless you hun. hugs to ya.
tashaluvsyou 2 years ago 2
And, if you really wanted to solve the problem, simply transfer your balance to a card with with a 0% introductory rate and no transfer fees. Then, stop doing business with BoA and get on with you life. NO ONE is going to join your "ARMY." The rest of us enjoy our good credit rating! YOU'RE the reason banks are struggling. You borrowed $ from BoA and then refuse to pay them. My 4 year old daughter knows that if you borrow something you have to give it back!
billb0313 2 years ago
the more videos this woman puts up the more convinced I am that she'll never get it. You're not a "regular" person. Regular people pay their bills on time. You should have educated yourself BEFORE you started using your credit cards (rate increases are CLEARLY explained in the disclosure statements.) And, if you would have taken your 4 point advice from the get go YOU WOULDN'T BE IN THIS SITUATION! Your just another example of a person who refuses to take accountability for their mistakes.
billb0313 2 years ago
Do you have Health insurance Bill?
If you do you should know that they reserve to change their premiums at any time with just a 30 day notice.
What would you be saying if they changed your premium to a million dollars?
Sure, you may go to another company, but what do you do when all the insurance companies change their premiums to a million dollars?
Point is, you got to take a stand somewhere when you know that you are being raped to death, even if it is legal!
kdiddle1 2 years ago
Cut up the cards and stop borrowing! How complicated is that? You only enrich the scum bags when you make yourself a slave to them.
wrjamescom 2 years ago
why is it about principle?
and I think you meant to say "economy collapsing" not economic collapsing.
pay your bills life isn't this hard. And actually you said you were NOT going to pay the bills.
life has consequences someone half your age shouldn't be telling you this.
plasterofparisify 2 years ago
we've gone from "and thereby refuse to pay you one more red cent "to "I'm not just skating out on my obligation"
how can anyone trust what you say?
run for city council. you have a future in politics.
beefyoso 2 years ago
Great job, finally somebody is doing something for the people. The big corporations when in trouble all they have to do is file for brankcrupcy, or they get aid from the government. After a short time is back to business as if nothing happened. But us? who is with us? When BOA is raising our taxes who is with us?. If in a different time I would not even complain. But we are currently facing difficult times and we are strugling to make ends meet. On top of that BOA increase our interest
loumendo 2 years ago 2
Americans are under an illegal and immoral usury debt that was brought on by fraud and bribery of politicians.
Default the Debt
CarryANationIII 2 years ago
The dollar is nothing but worthless electronic credits. The banking system is fraudulent and so are all the debts to it. But then they lay on a 30 percent interest on money which is fraudulent and non existent to begin with. This is too much mafia. It is time for a debtors revolt. The banksters deserve nothing, accept maybe some tar and feathers.
Hallonsylt 2 years ago
YES, YES, YES!! You go girl! Same thing happened to me with Bank of America!! They randomly hiked up my ccard rate fm 9% to 27%. I have (had) a perfect 30yr credit history until then.... Tried to reason w/them for 4 yrs. Finally closed all 4 of my accounts and severed a 25 yr relationship with them. THANK YOU for doing this! Namaste' & keep up the good work.
parrotfins 2 years ago 2
People are in debt because the corporations and banks encouraged debt to fuel the unending consumerism required to sustain a capitalist constant growth economy. The problem is that it truely is unsustainable and they are running out of consumers fast. She is absolutely right, STOP DOING BUSINESS WITH THESE CORPORATIONS!!! so they will collapse.
Str8TalkNow 2 years ago
It really sucks for the people who are getting screwed by the banks. The problem is that some of these commentors seem to want to use things like this as an excuse not to pay off their debts.
rangerchallengebravo 2 years ago
s t f u thats all what i can saye
sasal4sal 2 years ago
The government should have given every taxpayer a check for $100,000.00 instead of the banks. People would have paid off their debts, the banks would have their money, the money would be moving, there wouldn't be a recession and it would have been a lot cheaper for the government.
MsGoatlady 2 years ago 3
Exactly. I have been saying the exact same thing for months. And it would have been cheaper. Created jobs. Stopped foreclosures.But then the BIG, CORRUPT FUCKS at the top wouldn't have been able to steal their piece of the pie.
OHIOGORILLA77 2 years ago 2
IN my opinion, all the CEOs from the BIG BANKS who received GOVERNMENT BAILTOUT MONEY, belong in prison right along side with BERNIE MADOFF!
kbspots 2 years ago 3
What about the government officials that gave them the bailout money?
ninpo2006 2 years ago
Why doesn't God just find you a great paying job so you no longer have any financial problems? God lets millions die of thirst, hunger, AIDS but he has a specific interest in BOA? Please explain.
OHIOGORILLA77 2 years ago
Ohiogorilla77, your answers are in the bible. Try reading it. Ann is doing a great job. I pay Chase $130.00 a month, of that $98.00 goes to interest. I have always paid on time. When I opened this account I was led to believe the rate would be a low fixed interest. I never thought they would raise it that high. I will never pay it off at that rate so why try. If I don't pay, I can save that money in my bank till they offer me the original contract price, otherwise they can get screwed.
mightymistressbb1 2 years ago
P.S. I have always paid ontime every time. Usually 2 weeks early. They are rude to me too. I agreed to the original terms. Just because I didn't have time to drop everything I was doing everytime they sent a notice and read the fine print and respond shouldn't give them the right to steal off me.
mightymistressbb1 2 years ago
P.S. It would be like a Jew in a Nazi concentration camp saying they prayed to GOD for the Allies to liberate them & GOD answered their prayers. But not before 6 million were tortured to death.
OHIOGORILLA77 2 years ago
mightymistressbb1, I don't disagree with anything she is doing or saying. I agree that they are greedy pricks that prey upon the unfortunate to line their pockets. But I find it hard to believe GOD stepped in & helped this message get it"s amount of exposure because she prayed.
OHIOGORILLA77 2 years ago
I don't understand. Are you angry with God about something?
rangerchallengebravo 2 years ago
No. I'm not angry at God. I don't believe he gets involved. I don't believe he helped get her message out. It's like after a sporting event and one of the players says "First I'd like to Thank God for the victory". So God favors one team over the other? Is he a Yankees fan or Red Sox?
OHIOGORILLA77 2 years ago
And, all things will be added to you :) GOD is real!
wyinuza 2 years ago
Seek first the kingdom and the righteousness and things will be added to you. Do your thing Girl :)
wyinuza 2 years ago
You can't negotiate a lower rate yourself. You have to go thru a Debt Management firm who will charge you a monthly fee to negotiate a lower rate. Then the card issuer will get a percentage of the fee from the debt management firm. Something like extortion. Pay the higher rate or pay the monthly fee.
MsGoatlady 2 years ago
You can absolutely negotiate a lower rate yourself. Just call up the cc company. If they tell you no, then call them back in a few months and try again. It's more difficult now with the credit crisis, but it can certainly be done.
LittleFeet526 2 years ago
or just file bankrupsy. A lot of creditors and banks like clients with a clean slate.
mightymistressbb1 2 years ago
it wasn't God honey, it was you.
eatenbyyou 2 years ago
why don't you guys shut up about her saying "GOD"! are you scared or something? everytime someone says GOD ppl get their panties twisted up their a**!
You're awesome rockerchick! i appreciate you being so outspoken about these thieves. next will be the junk debt collectors that harass ppl for a debts that was never theirs!
lilplumtree 2 years ago
it would be so much more cooler if you left "god" out of it and took credit for it yourself, you are strong and thats that great job keep it up fuck the debtors.
castillowarrior 2 years ago
i like my fellow americans you guys are awesome when u get pissed you guys will get stuff done wow
TALLMATE73 2 years ago
god had nothing to do with it!!!
gggreggg 2 years ago
What are you doing running around charging things???
Pay it off, pay it all off, and don't borrow from fat cats. Duh....
rayunseitig 2 years ago
Good for you Rockerchick! Although I don't have a BofA credit card, my husband and I have been massively dinged with their debit card policys. There's been alot in the news lately about it. I went into my local branch and they were able to reverse the charges for me when I said that although we've been with BofA for over 20 years we're preparing to close our accounts and leave. We're paycheck to paycheck 'Jesus Freaks' too! Just wanted to say Fight the Good Fight Sister! :) In Christ, Deb
deb68 2 years ago
They get the fucking money from the Fed at 0% interest from other banks. So guess what? Every penny they squeeze out of you in interest is profit.
ManekiNeko1972 2 years ago
I am paying off all my credit cards and they can rape others. I have First Premier I had two cards, cancelled one two weeks ago, they want to charge monthly usage fees, high annual renewal, and even want you to pay to pay your credit card! So Thank you for uprising! I am on board with you.
rickcustodial 2 years ago
Good points all, Rockerchick and I'm already doing them. Regarding #2, however, I'd say GET RID of your credit cards ENTIRELY, don't just switch from one to another. They are ALL equally EVIL.
MrCreepyPants 2 years ago
We can have a peaceful revolution in this country if we simply decide to quit doing business with those that are screwing us...buy local...dont shop at walmart,use a local bank,...DONT NOT VOTE FOR ANY INCUMBENT PERIOD!! If we will do this we can change for the better...if we dont....then the enemy is us...not them
Gunnarsguns 2 years ago
Don't settle for the 12%! They can do BETTER!!! I had Bank of America CLOSE my accound in trade for 3.75% interest!!! I ALSO refused to pay...and they agreed to this. I may really pay this account off now
kurocksga 2 years ago
Comment removed
kurocksga 2 years ago
I wish that we could cut off our service with all these corporations but its impossible. You can never get a whole population probably not even 10% of americans could stop using corporations.
tiberianexcalibur 2 years ago
Stop doing corporations work for free and putting other people out of work. Don't check yourself out at Home Depot or the grocery store. Don't pay online. Stop outsourcing to yourself. Complain to companies that send your customer service calls to India or wherever. Buy made in the USA.
rowlandfamily 2 years ago 3
maybe you should pray you find a job.
Beckababy6 2 years ago
CBS video now just put up by them
watch?v=HK2zjrqN2-M
71Warrior4Jesus 2 years ago
if you don't spend it, they will just take it away another way.
wastedtubers 2 years ago
dear god stay away from the huffington post wacos!
alexea1978 2 years ago
Interesting. I'm not sure how to view this as a Christ-follower. What they're doing is wrong, but shouldnt you at least pay back what you borrowed?
rangerchallengebravo 2 years ago
rangerchallangebravo,
Did you not hear what she said? Did you not listen to the video?
She was paying her loan off, and they RAISED HER INTEREST RATE FOR NO REASON !!!!!
Yea, we should all pay our debts, but these people (The financial institutions) make a deal, then BREAK it !!!
Yea, we should pay, but don't you think the banks should play fair???!!!!
I need my money more than they do, so I'm done with the big global banks, and banks in general, and you...
Well, you're a cretin
user80925 2 years ago 5
Comment removed
rangerchallengebravo 2 years ago
As you put, WOW rockerchic I sure hope that everything I hear and see is really not what is there and happening. I watched a youtube video today that talks of a new world currency and another that talks of the market crashing oct. of this year and still I sit here with nothing prepared to survive or protect my family. So I guess I should pray but also start to prepape some gear just incase it is needed.........Rick
fairbornrick 2 years ago 2
It IS!!!! about principle AND principal!!!
lphel9 2 years ago
I don't know about all this "god" stuff, but I support you fully.
caryallendavis 2 years ago