Death Is Easy

Russell Madden

Freedom As If It Mattered

As If
It Mattered
Russell Madden

Guardian Project

The Guardian
Russell Madden


Russell Madden





Russell Madden



Nice to see that the wonderful financial policies of the Republicrats and Demicans are finally beginning to bear fruit. Just yesterday, I personally witnessed the consequences of simultaneously stealing citizens money and lavishing it on those in charge of the credit market.

I was a customer of Capital One — you know: the “No Hassles” card — for over a decade. My most recent card interest rate was about 6.5%. After all, with the prime rate barely hovering above zero, the “cost” of borrowing money is low. Just look at home mortgages in the 5-6% range for fixed mortgages.

By golly, though, I guess the Capital “No Hassles” One folks made the same realization that those in charge of our government have: don’t let any crisis go without taking advantage of it. So, in this wondrous world of the Sky Is Falling Unless We Act Immediately!, Capital One sent me a notice that they were increasing my interest rate. Double it? Nah. Triple it? Uh-uhn. Quadruple it? Are you kidding me? Oh, no. These great souls are nearly quintupling my interest rate to just under 30%!!! That’s right: a nearly 400% increase in the interest charged on any revolving balance.


I was so happy to be the target of this beneficent change, that I immediately called and canceled my card.

Well. I tried to cancel it immediately.

The shill on the other end went on and on: well, my interest rate went up, too [but only 10 points, not 25]; you’ve been with us for so long [yeah, and I deserve better treatment as a customer]; it doesn’t matter what the interest rate is since you pay off your bills [but I don’t do so every month]; the economy is having problems [so I am a responsible person and customer who pays my bills and doesn’t go hog wild with charging things I can’t afford, and I am the one who gets punished for it?; welcome to the modern America...]; and on and on.

I had to get angry and firm and practically yell to get the stupid twit to cancel my card.

Fuck these people.

Don’t misunderstand me: I fully and completely believe and accept that Capital One or whoever has the right to jack up the interest to 30 million percent, if they want, if that’s in the provisions of the agreement. BUT...having the right to do X does not mean that X is the right thing to do.

If you’re a Capital One card holder — or maybe many other card issuers will mimic these actions — prepare yourself for the possibility of having something large and unpleasant shoved up your nether regions. I hope — like me — you’re in a position to cancel that card and seek greener pastures.

But the real problem is all those jerks who clamored and continue to clamor for the State to “do something.” They were the ones who helped create this mess, in the first place. I am as mad or madder at them. After all, Capital One is merely exploiting a bad situation in a sucky attempt to try to get more of my money. All the politicians and the 98% of the voters who keep those assholes in office are doing something much worse:

They’re out to get my freedom.

(from Don't Get Me Started!, 2-13-09)