In the present era, banks continue to be whores.

A perfect example is Capital One. Capital One is one of the largest bank distributors of credit cards world wide.

A new addition to Capital One’s contract was announced/discovered yesterday. The contract between Capital One and the card holder is all those pages one receives once a year in the mail from Capital One. Small print, both sides of a sheet. Somewhere buried is something new between Capitol One and its card holders.

It provides that Capital One can contact a cardholder anytime it wants, including “personal visits.” The personal visits are “…at your home and at your place of employment.”

Simply stated, Capital One has added to its many rights, the right to walk into your home unannounced at any time. Further, bother you at your place of employment.

The IRS and police cannot enter your home without a search warrant or some type court order. The Fourth Amendment prohibits illegal searches and seizures. The Fourth Amendment applies only to governmental interference, however. Capital One is not the government or a government agency.

Additionally, Capital One’s new rights are predicated on a contract. A civil matter. The courts have not been favorable in recent years to the public in confrontations of this nature. The court decisions generally have held the contract controls.

If Capital One can do it, I am sure the other credit card companies will follow suit. Be prepared for a new guest at the dinner table. The bill collector.

I spent yesterday afternoon finalizing last night’s blog talk radio show. Tuesday Talk with Key West Lou. I enjoyed doing the show last night. There were a lot of other goodies to talk about in addition to the Capital One issue.

Between final preparation and the show, I ran off to Hogfish for an early dinner. Sat at the bar and chatted with my fisherman friends. These guys are the true old time fisherman. Teeth missing, bearded, weather beaten faces.  Theirs is another world.

Syracuse basketball again tonight! This time against Boston college. Syracuse a 16 point favorite. Means nothing based on recent games.

Syracuse remains undefeated at 25-0. Boston college is 6-19. We should beat their asses! But…..who knows anymore? Syracuse seems to play to the level of its competition.

We should win.

Saturday is Duke. What a game that will be!

I will be watching the Syracuse/Boston College game at Don’s Place tonight. Join me, my Syracuse fans.

Enjoy your day!


  1. thanks for Hogfish info. I will have to go there next week bc I’m interviewing old conch fisherman to hear hopefully that delightful conch dialect (mixture of southern and rural new jersey supposedly).

  2. So it looks that Cellular Phones are on the brink of gaining
    a complete new batch of employs, displaying there are several
    new and hassle-free techniques of integrating into our lives and way of life.

    If you feel that you can be a better person or that something
    you do or work on could be better, then strive to apply that to the next tasks.
    American Express has announced plans to release chip-based cards in
    the United States, as part of a “roadmap to advance EMV chip-based contact, contactless and mobile payment for all merchants, processors, and issuers.

Leave a Reply

Your email address will not be published.