Dumping the BIG BANKS and joining a Credit Union/Local Community Bank
A year and a half before the Occupy Movement, I planned to go to a Credit Union, but never got around to it, was dragging my feet.
After being a good patron and loyal customer to Big Bank, they showed me they had no loyalty to me , I am just another number.
I kinda already knew that, but they did not even pretend they were trying to assist me in MY hour of need, which was only a 3 month stint.
Only needed time to organize and straighten out some very, basic services and discrepancies and they could not even do that.
With a very high credit score, overly solvent accounts and transactions for years, etc., they showed me their true colors, in 3D.
I got everything straightened, without their help, and back to where I was.
Once I find a Credit Union to join and get accounts established, I plan to close ALL my accounts at BIG BANK and credit cards related to them, and if cost me some points on my credit score, I'll Gladly Eat It, whole, without chewing.
Then, I will may also find a local community bank, not tied or affiliated with Big Bank or ponzi scheme wall street institutions, check their rating on BankRate, and proceed.
More people, in droves, are willing to go to Credit Unions if only their freakin membership eligibility were not so tight.
Even before the year and a half of attempting to commit to joining one, I was inquiring on and off for 10 years BEFORE that of Credit Unions, but again, their memberships eligibility always slowed and delayed the commitment.
These local community banks and credit unions need to join together and have a clear to understand and comparison of their services versus the Big Boys to solicit more members, they could EASILY steal , without breaking a sweat, 40% share or more of the Big Banks monopoly of customers, and I believe I am being conservative on that percentage.
They also need to make it easier to shop and figure out which Local Bank and/or Credit Union is perfectly tailored for a particular customers needs, a clear and actionable process.
The 13th Warrior
After being a good patron and loyal customer to Big Bank, they showed me they had no loyalty to me , I am just another number.
I kinda already knew that, but they did not even pretend they were trying to assist me in MY hour of need, which was only a 3 month stint.
Only needed time to organize and straighten out some very, basic services and discrepancies and they could not even do that.
With a very high credit score, overly solvent accounts and transactions for years, etc., they showed me their true colors, in 3D.
I got everything straightened, without their help, and back to where I was.
Once I find a Credit Union to join and get accounts established, I plan to close ALL my accounts at BIG BANK and credit cards related to them, and if cost me some points on my credit score, I'll Gladly Eat It, whole, without chewing.
Then, I will may also find a local community bank, not tied or affiliated with Big Bank or ponzi scheme wall street institutions, check their rating on BankRate, and proceed.
More people, in droves, are willing to go to Credit Unions if only their freakin membership eligibility were not so tight.
Even before the year and a half of attempting to commit to joining one, I was inquiring on and off for 10 years BEFORE that of Credit Unions, but again, their memberships eligibility always slowed and delayed the commitment.
These local community banks and credit unions need to join together and have a clear to understand and comparison of their services versus the Big Boys to solicit more members, they could EASILY steal , without breaking a sweat, 40% share or more of the Big Banks monopoly of customers, and I believe I am being conservative on that percentage.
They also need to make it easier to shop and figure out which Local Bank and/or Credit Union is perfectly tailored for a particular customers needs, a clear and actionable process.
The 13th Warrior
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"It's easier to fool people than to convince them that they have been fooled. -- Mark Twain
"It's easier to fool people than to convince them that they have been fooled. -- Mark Twain
Sal
When the Roads and Paths end, learn to guide yourself through the wilderness
Beyond the Path
"It's easier to fool people than to convince them that they have been fooled. -- Mark Twain
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