I received a credit card offer in the mail yesterday.<\/p>\n
I receive these from time to time. I’ll open the letters, read them, study the terms, and then recycle them. It’s a good system, it serves me well.<\/p>\n
Today, though, I responded to one.<\/p>\n
It’s for an offer from CreditOne Bank<\/a>.<\/p>\n The terms were rediculous. An insanely high APR, plus an annual fee of $99. I’d call it usurious, but that would be an insult to loan sharks everywhere.<\/p>\n I cut up the application and the sample credit card they sent and put it in the postage paid envelope. Along with the following note:<\/p>\n Thank you for the offer, but I have to decline. Your terms amount of a financial rectal probe and someone would have to be a hapless moron to accept them.<\/p>\n Therefore, I am wasting your time (since you’re reading this) and your money (since you so kindly sent me a prepaid envelope) just so I can say that I don’t want your fiscal colonoscopy.<\/p>\n Begone!<\/p>\n All the best,<\/p>\n Allyn<\/p>\n P.S. Thanks for throwing this away for me. I really appreciate it.<\/p><\/blockquote>\n I realize that some hapless form processor in El Paso, Texas will get this at the end of the week and my message of defiance will go unheard.<\/p>\n But sometimes you just have to say the things that go unheard.<\/p>\n","protected":false},"excerpt":{"rendered":" I received a credit card offer in the mail yesterday. I receive these from time to time. I’ll open the letters, read them, study the terms, and then recycle them. It’s a good system, it serves me well. Today, though, I responded to one. It’s for an offer from CreditOne Bank. The terms were rediculous.Continue reading “On an Unwanted Credit Card Application”<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[52],"tags":[270,271],"class_list":["post-6888","post","type-post","status-publish","format-standard","hentry","category-life","tag-credit-cards","tag-creditone-bank","entry"],"_links":{"self":[{"href":"http:\/\/www.allyngibson.com\/index.php?rest_route=\/wp\/v2\/posts\/6888","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.allyngibson.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.allyngibson.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.allyngibson.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"http:\/\/www.allyngibson.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=6888"}],"version-history":[{"count":0,"href":"http:\/\/www.allyngibson.com\/index.php?rest_route=\/wp\/v2\/posts\/6888\/revisions"}],"wp:attachment":[{"href":"http:\/\/www.allyngibson.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=6888"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.allyngibson.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=6888"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.allyngibson.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=6888"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}