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They're all the same. I used to buy a lot of stuff from Cabelas with a Cabelas card and also used the card to to pay and track all my commercial striper bills. When the intro. rate on my BOA card expired I applied for a new one from my bank so I could transfer the BOA balance and close out the card. Cabelas sends me a notice decreasing the limit by 2/3's to $20 over my current balance. I called to ask why and they told me it was because a review of my credit report shows I had applied for a new card. I was BS and like an idiot I missed my next pmt. date by 1 day due to the "allow 5 days for mailing" BS. So they add a $39 late fee and because it now exceeded the max.limit another $39 overlimit fee! This went back and forth for 3 months x $78 per and I had a few not so pleasant conversations with them. I told them to eliminate the late and overlimit fees and I'd pay but they refused! I told them I'd pay when hell freezes over. Since my credit rating went down the sh..ter over 4 years of paying $14k out of $35K in my sons annual college tuition "out of pocket" their threats fell on deaf ears. I think they finally realized that collection calls from 20 year olds weren't getting any results and they offer me a buy out at $600 less than my balance. They won't credit me a couple of hundred bucks in fees but take a $600 loss on the account...and you wonder why banks are going down when they have genius's making decisions like this? Cash only for me now.
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