I had a bunch of credit cards opened in my name some years ago. I had rental property and had a Centruy 21 agent manage it for me. Apparently, since the mortgage statement went to that office, so did a bunch of those free offers for credit cards. The receptionist opened the accounts got the cards, and just kept paying the minimum payments on the cards. It went on for over a year and was only discovered when she went away on her honeymoon and my agent started opening the mail with my name on it--a bunch of Visa bills with over $20,000 total charges! This girl had charged her whole wedding and honeymoon in my name! The hardest part was cancelling the cards--when I called Visa they wouldn't believe I was me because the girl had given them _her_ mother's maiden name, information of course that I could not supply! It was pretty stupid, really, she thought she would never be caught, said she every intention of paying off the cards eventually. Stupid criminal. Stupid credit card companies. We all paid for that one. And yes, I do check my credit report now!

Interesting. Thanks for posting this. I double checked my settings and adjusted what I could in hotmail. Though I couldn't find the "permissions" link. I don't get why people would actually fill out all that info (phone numbers etc.) What's the point? I really wish they wouldn't do stuff like that. It's enough to make me want to delete my account. I still might.

"Suppose a bill was approx 428.00. If you made no more charges, payed mim. amout it would take 3 years to pay this off and you would pay 544.00 in interest!! That is scary. Like I said, please read your statements very carefully especially this month and the new rules went into effect today, but there are loopholes also." This is actually BETTER THAN the way it used to be. The minimum amount due each month has INCREASED, which LOWERS the amount of time it will take to pay off the total balance; and it also LOWERS the total amount that you will have paid by the time it's totally paid off. Another change that is an improvement is when you have balances that are subject to different finance charge rates... Here's how the old system worked --- Let's say you have a card with a $468 balance at 22% interest. The card issuer runs a promotion where you can transfer a balance from a different card, and pay only 1.99% interest on that transferred balance. So, you transfer $500 from another card. You make a payment of $125. That payment will be applied towards the $500 balance at the lower interest rate, so the bank will charge you the maximum interest on the $468, because there wasn't any payment made against it. Each month when you make your payment, the payment will be applied towards whatever remains from that transferred $500. It's only AFTER the $500 is paid off that any of your monthly payment will be applied towards that original $468. And all that time, you'll be hit with a high monthly finance charge. Under the new system, if you have balances at different interest rates, any payment you make will be applied first towards the balance with the higher interest rate. This will ultimately save you $$$ in finance charges. Another thing that has changed is Over Limit Fees. Used to be that if you had, say, a $10,000 credit limit and a $9,000 balance owing, you could still charge more than $1,000 and the bank would accept the transaction, and then they'd turn around and tack on a $35 (or more) fee for going over your credit limit. Now, they won't charge that fee, BUT THEY WON'T ACCEPT ANY TRANSACTION THAT WOULD PUT YOUR BALANCE OVER YOUR LIMIT -- UNLESS YOU AGREE, IN WRITING, TO ALLOW OVER LIMIT FEES FOR ACCEPTING THE ADDITIONAL TRANSACTIONS. As Mary C said, "People should have been reading their bills from the get-go!"

I have been shocked by the responses on this site that in so many ways elude to justifying the manufacturer for not finishing the job. I would have thought if any site would side with the consumer it would be this one. I have no intentions of doing business with either of them. That is not that point. The point was for others who may be considering them thru other dealers to be aware of the attitudes of River Run And Touchstone. I gave a very long background so the story would be complete with details instead of bad mouthing for spite. Touchstone products are well made if nothing goes wrong. If something does do not expect it taken care of in a timely manner. I have paid more for the cabinets then I have collected to date. I had to pay in full for them when they were delivered. I did that so the owner could get them installed on time with their contractors schedule. As a result of Touchstone not making them correctly and having to deliver 4 times to the project instead of what should be 1 the owner does not want to pay untill complete so I am motivated to get it finished. Touchstone could care less about that. Suppliers like that will put you out of business for paying for everything. I mine as well have a sign on my door that says looking for cabinets? I will buy them for you!!!!! That only lasts so long before you are out of money. I will be fine I was just so surprised the companies stated their postitions when they are clearly not professional in their approach to problem solving. Lastly..... I was in the owners house friday night till 8:30 pm installing the last delivery of doors that showed up 6:00 pm. The national sales manager told me the doors would arrive thursday when he said he was going to replace my business with another one meaning I do not sell enough of his products for him to care.... I called the owners to tell them thursday was the day and to be home if possible to finish. Thursday comes and I get a call from the plant thursday afternoon saying the truck was finally loaded and just left and would arrive to me late friday. I had to call the owners and say false alarm should be tomorrow now. The manager knew that he did not have the courtsey to explain what he meant by thursday was my day..... The owners said to me friday they never know if I am telling the truth because what ever I say will happen never does. I am always miss lead by the company I immediately let the owners know what the plan is when I get information from Touchstone to find out the day of that I was not told the right thing. I have had 3 drivers deliver the 4 times they have been there. All of them have said they hate working their and are looking for other jobs as what happens to me all happens to them and the other employees. I do what ever is possible to give the best service I am able to. It amazes me there are so many companies who have enough people to work with they do not have to do the same. This business is awfull everyone wants you to give them the world for service value and quality and always beat you down to get it. It is a struggle every day to justify your products and services are worth the purchase. Reputation is everything and easy to lose when you have a finite number of repeat clients. Most of my business is repeat with various types of professionals in the Remodeling industry. I do all I can to make what I do professional and acurate the first time. The longer I am in this business I learn that a national company does not need to do the same thing as there are many fish in the sea for them to switch to.