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rant

credit cards -- update

Continuing the saga begun here...

I contacted the bank to request, by e-mail, copies of the old and new complete agreements, so I could compare them side by side. Within a few hours I got a polite reply saying they had put a copy of the complete agreement in the mail to me, and it should arrive within 7-10 business days.

So I asked, again, that they send me both old and new complete agreements, by e-mail. Within a few hours I got a polite reply saying they can't send me the old agreement because the new one has already taken effect, and they're "not authorized" to send me the agreement by e-mail, only on paper. (They also added that my suggestion that the current agreement be available on the Web site has been "forwarded to the Management Team for their review.")

I replied, pointing out the inconceivability that a company the size and sophistication of $BANK doesn't have a copy of what were, until last week, its legal rights and responsibilities, and the equal inconceivability that such a company doesn't have the agreements in computer-readable form. The only explanation I can think of is that it is official company policy to prevent customers from learning what is happening to their fees, interest rates, and due dates.

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