How to Blow Your Credit Limit -- Without Spending

SmartMoney.com, via Yahoo! Finance ^ | March 12, 2009 | Kelli B. Grant

[lafroste]

I use the credit card offers to augment heating in my house. They burn nicely in the fire place. Free fuel, delived by the postman.

I've often thought that an enterprising person could get himself on so many junk mailing lists that he could have his winter fuel delivered for free all winter long. Those big, free catalogs make a very cheery, and long lasting flame.

[conservative cat]

Various Credit Card Companies are really the unsuspected causes of GLOBAL WARMING. All this paper must be SHREDDED in shredders that consume increasing amounts of electricity etc etc etc.

I know you are joking about global warming, but it's really a problem. I can't remember where I did it, but I did get myself removed from the mailing list for unsolicited loan and credit car offers, which cut some of my junk mail, but I still get other junk by the boxful every week. If we can prosecute spammers (I can delete spam), why can't we get off the list for grocery ads, local coupons, and catalogs? I'm not an eco-nut, but that can't be good for trees.

[dfwgator]

Credit card companies are scum.

Don't insult scum like that.

[TigersEye]

Under different circumstances, David Chaplin-Loebell wouldn't have minded that American Express cut his unlimited credit line to just $5,000.

He should have all of his credit cut off for having a hyphenated name.

[antiRepublicrat]

Amex sends me pretty much one piece of junk mail every day. I trash every bit of it.

Here's how to stop that.

[Think free or die]

"I've often thought that an enterprising person could get himself on so many junk mailing lists that he could have his winter fuel delivered for free all winter long. Those big, free catalogs make a very cheery, and long lasting flame. "

In our community we have "Recycle Bank". Our recyclable trash gets weighed, and we receive electronic credit by the pound. As we accumulate points, they can be redeemed for coupons, such as 25% off a $20 purchase at our local drug store. I've been less motivated to get off of junk mail lists since we went on the point program, and when I see empty glass bottles and jars, I bring them home to put in my trash!

[listenhillary]

I did the opt out of credit card mailings. I now have several hundred less pieces of junk mail per year.

Love it.

[cookcounty]

Cut them up, cut them off....ASAP!!

[cookcounty]

"In our community we have "Recycle Bank". Our recyclable trash gets weighed, and we receive electronic credit by the pound. As we accumulate points, they can be redeemed for coupons, such as 25% off a $20 purchase at our local drug store. I've been less motivated to get off of junk mail lists since we went on the point program,....

The Law of Unintended Consequences strikes again. Sign up for more junk mail!! Get rewarded with more Recycle Points!!

[mdmathis6]

Chase is now owned by “Crapital One” so expect a lot of changes in your service.

[beelzepug]

I will usually stuff their post-paid envelopes with other junk mail - my name removed, of course - and mail them back. At least then they have to pay for that return postage. If enough people would do this, the endless offers would quit coming.

[sickoflibs]

Sorry, MasterCard

[Jim Noble]

Amex just froze my business card and has been declining green card purchases for two weeks - I've had the green card since 1977 and have never missed a payment.

Something must be up with them.

[ReagansShinyHair]

INCREASING my credit line

We never use credit cards, but they keep increasing our limits, too. I guess you only get it when you don't want it.

[jimt]

Payments made aren’t showing up in a timely manner, etc. What do you think is up with that?

By not crediting payments promptly, they can claim you're late, jack up your interest rate, and assess you penalties.

Simple - and dirty.