Quote:
Originally Posted by filtherton
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I think it's interesting how some folks sense of personal worth and responsibility are extended to agreements with organizations designed to squeeze from them every last drop of available money. It's like a hooker not wanting to rip off his/her pimp out of some sort of sense of honor. Clearly, your bank won't think twice about ripping you off at every turn via adjusting the sequence in which your checks clear or charging you money to access your money. This is because not only does your bank understand that it can subject you to the terms of whatever fucked up contract it can get you to sign, but it also isn't beholden to quaint notions of interpersonal responsibility and honor.
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Oh, Dear. I'm guilty of quaint notions. When I make a financial agreement with filtherton, (or Wells Fargo Mortgage, American Express, SouthWest National Bank, whatever.)
I also make an agreement with myself to honor my agreement with you. Absent coercion or misrepresentation of course. If I feel mistreated, I don't hesitate to sever ANY relationship, personal or financial.
I've never felt mistreated by any of my creditors, but then I've almost always held up my end of the stick. I don't write checks that exceed my balance, so I don't need to quibble about what order the bank pays them in. I pay my AmEx bill on time. On a couple of rare late payments, they were more than happy to waive the penalty, all I had to do was ask.
I pay an annual fee and an occasional currency exchange fee, that's it. When I lost my AmEx in Bulgaria, I had a replacement the next day.
My free credit union debit card took three weeks.
I don't mind paying fees for good service, and hardly ever pay a penalty.
Lindy