Northgoingzax wrote:"To paraphrase #5, however, it says that the user agrees to be nice to MBNA in all dealings with them or their 3rd party providers."Hope I'm not being too paranoid here, but what does everyone think the penalty is for not being "nice"? We've recently seen most CC companies jump (practically leap) onto the bandwagon of "credit purity", where you are fined for going over your limit, late payments, or even having a bad relationship with another creditor. Does anyone see this conversation in the future?:CC Rep: Yes, may I help you?CC Holder: Hello, I would like to request a credit line increase.CC Rep: I'm sorry, you forgot to say "Pretty please", I'm applying a $29 fee.CC Holder: What?! Let me talk to your supervisor!CC Rep: Certainly sir, but due to your raised tone I must also add a "rude" note to your credit report, that will probably cost you about 100 points on your FICO score.CC Holder: *click* *hum*CC Rep (to herself): My, my, he hung up on me. I guess it's time to close the account and call a collection agency.Seriously, I doubt that the CC companies would penalize you for anything short of CC Rep. abuse, but who's to say where they draw the line and what penalty is on the other side of the line?Makatak
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