The Moral Evil of Credit Card Companies.

Mutherfuckers...


OK, so I ran up a bunch of charges on one of my lower interest Credit Cards in all my travel over the last couple of months. In fact I ran my chase card to within about fifteen bucks of my limit, making sure not to go over. Also my online site only allows one payment per month so I had to wait until it was due to make a payment... These bastards applied my interest, hiked my interest rate, and charged me an over the limit fee of 35$, so from $10 dollars under I went to fifty over...Okay based on my balance that works out to a one month interest of 23%.

Now I used to know a loan shark named Robbie in Montreal. He was a really cool guy as long as you didn't owe him money, then he would slap you until you cried in front of all your friends.. He charged 25% a month, and he actually could be reasoned with. Now Fuckin Chase Bank, when I called to find out what the fuck was up, was a maze of discouragement...

First you dial, then enter your personal info into a voice computer... THE ONLY POINT OF THE AUTOMATED SYSTEM IS TO SCARE OFF OLD PEOPLE AND TECHNOPHOBES, why do I say that? Well because the auto system never does anything of use, and the info it gathers goes no where, cause as soon as you don't get the info you wanted, and transfer to hold for twenty min, they ask for the same info all over again...Thus eliminating at least 30 percent of the callers, like my mom and other old people... Point Evil Credit Card.

Next, I speak with a customer service rep in, of course, the cliched location of India. I would have no problem with that if it didn't slowly and subliminally make us start to hate all Indians for being bureaucratic, sadistic, Kalfka-esque non-negotiating evil Sanskrit Overlords.

-Former Indian Stereotype

When in fact they are exploited, underpaid, undertrained in American cultural idiosyncratic behavior leaving almost every interaction a confused mismanaged situation that requires additional help in the form of a long distance transfer again, without any of your personal information...Thus causing the impatient, time strained, culturally insensitive to hang up, I'm guessing 15%. Point Evil Credit Card.

Now of course due to an overall lack of comprehension of my Hindi brother or sister I have been transferred to the wrong department. But before I can get transferred again to the right department I need to give my information again! Now this I realize is most definitely a PSYCHOLOGICAL WARFARE TECHNIQUE, called de-humanistic programming. This lowers ones self worth by constantly reinforcing a non-individualistic state that makes us more and more ready to comply with authority. The repetition of the same information again and again, and our identity being reduced to a series of numbers is eerily similar to hostages, and prisoners in concentration camps and interrogation facilities...This demoralizes or incapacitates another 15%. Point the devil Card.

I am transfered again, and of course the required hold time then same info is given. The ludicrousness makes you either over react, in which they will hang up and note your file so that your calls in future are routed to permanent hold patterns, or you will settle for far less than what you require in service. I explain the situation to the representative, and I explain to him that no where on the website or my statement does it explain the charges. I then state that I question the legality of fining me, then charging me for being fined... This seems like double jeopardy, a classic pillar in the American belief of justice and morality, even if not a set law. He couldn't care less of course, and ultimately reversed the charge with no hesitation. But I think how many would not have called, or persisted, or insisted that it be removed.

When are we going to make this type of behavior by corporations stop?

We seem to be completely at ease with surrendering all our humanistic rights to the side of corporations putting the entire onus for monitoring exploitation on an individual level. How is this Okay??

How do we need to give THEM more protection?

WHO IN THE AMERICAN PUBLIC TRULY FEELS THE CREDIT CARD COMPANIES NEED MORE PROTECTION FROM US?????

We are in a pot of water that has been slowly heating to boiling long enough. We need change! We need to stop letting greed fuck us in every turn,m we need to be vocal, we need to STRIKE! Seriously this nation needs a wake up call in an old fashioned NATIONAL STRIKE FOR CORPORATE & GOVERNMENT REFORM... You want to watch or representatives start giving a fuck what we think again? Then bring the system to a halt. And I don't me unions, or organizations, I mean everybody stops for one day to demand or votes to count, and to end Corporate favoritism over the rights of individuals...

By the way just Google "Strike" or "National Strike", it's almost like they have taken that option off the table by making it invisible... It's nowhere to be found, like it is not an option. It's erie. And so is how much we have lost, as people, as citizens, and as comics.

FYI, my piercing feels better, and that's not why I'm ranting. Although I wouldn't mind a little peak at a little porn some time soon....