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If someone can find a bank that actually offers a service, I'd REALLY like to hear about it.
I'd be more than happy to pay them a "Service fee" for it.
Thus far, all I see are businesses charging me to get access to my own money. Which is the same money they make a margin on when they lend it out to other people. -- Heads I win, tales you lose!
As for credit cards -- it'd be illegal if it was done by any business other than a bank.
I'd love to be in a business where I could just increase prices to cover my own business mistakes, and say to my customers - "if you don't like it, then go somewhere else". Comfortable in the knowlegde that all my competitors are doing exactly the same. So there's no point moving.
I just love the way we (as tax payers) are underwriting the banks credit position (internationally), through the Govt guarantee, so they can access cheaper funds. Which they then lend to us tax payers. And they have the gaul to increase interest rates out of line with the RBA baseline.
And those dip$h1ts in canberra let then get away with it - what a massive con job.
Sorry - rant over.
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