Terms and Conditions!

[Anonymous]

Does anyone other than me read this stuff?

Ok, so I know some of you do. I read a lot of post on here and people have questions or issues that could easily be solved if they only read the T&C. I don't get it. Some even go as far as blaming the CCC when results aren't what they expect.

[NRB525]

I read them. It is a contract between you and the CCC.

For the most part they have similar attributes, so once you understand one, it is a matter of scanning for the differences that might appear with another CCC.

[Anonymous]

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@Anonymous wrote:
Does anyone other than me read this stuff?

Ok, so I know some of you do. I read a lot of post on here and people have questions or issues that could easily be solved if they only read the T&C. I don't get it. Some even go as far as blaming the CCC when results aren't what they expect.

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It's the nature of people not to read 'instructional manuals.  How many times does someone say 'how does this work?' or 'wow, I didn't know my XYZ gadget did that'.

In the case of credit cards, far easier for some people to blame the big bad credit card companies than accept the blame themselves.

[App_Addict]

Never! 

[Anonymous]

I can sort of understand not reading the T&Cs once you get the card, as they can be long and are fairly similar.   What does surprise me if when people apply and get a card with no idea of its reward structure etc (and this is just summary stuff, not reading T&Cs online before apping).    My guess is some people will just take a preapproval without much research.

[Anonymous]

^
You mean I should have read that offer from Credit One before I took it. 😲

[Anonymous]

Since most T&C's have the same structure and much of the same government mandated language, I typically just scan to the specific sections that may differ.

[Anonymous]

I have read through them in detail before so now I skim them for any major differences in the boilerplate or specific things like payment application rules etc.

On my last refinance I read the entire package. The closer asked if I was an attorney because she had never had anyone read the whole thing before. (I'm not BTW)

[Anonymous]

I'm familiar with them enough to just scan through them now, but I DO read every "changes to your agreement" or "updated terms" letter I receive from anybody.  I've also found myself sitting on the couch with the hard copy of the terms looking through in case I have a question about something.

What I don't understand is when people just chuck out their paperwork when the card comes in.  I have a little box in my closet with my welcome letters in it so if there's ever a question I know where I can find my paperwork.  Maybe I'm just a little too anal.

ETA: because of this forum, I could probably say I'm almost as familiar with the terms of cards I DON'T EVEN HAVE as I am with the cards I do, haha.  I have found myself reading the paperwork for cards and that's how I ended up with my wishlist.

[jsucool76]

I go through all the pricing, T&C, and I comb through the benefit guide/benefit terms as well.

That primary rental cdw doesn't mean anything if you don't know what it does and doesn't cover.