Reply #13: I really thought about it a fw weeks ago.

[Fuddnik]

American Express sent me a letter saying they were jacking me up to the penalty rate.

I called a said, "What's up with this?"

AE "You've been late 3 times in the last year".

Me "In the 10 years I've had that card, I have NEVER been late on a payment"

AE "Your online banking payments can sometimes take up to a week to be sent"

String of yelling and much profanity.

Me "Close this account and stick this card up your ass. It might be 'possible' for a payment to take up to a week to clear. More likely, you're delaying processing so you can add fees and interest rates. I monitor other online payments to Visa, etc., and they seem to be processed THAT DAY."

AE "Well you're a valued customer, and we can straighten this out".

Me And you're fucking assholes, who are trying to screw me. I only use that card for Costco, because it's their card, and for merchants that I don't particularly like, because you rape them on fees. Stick the card up your ass.