I was going to write about underwear today, but right now I'm mad and I need to vent, so underwear might have to wait until tomorrow!!
Okay, so I get home today and I'm standing at the kitchen table opening the mail and I open an envelope that says on the outside, "Important Information Regarding Your Account". It's from Capital One, which is one of our credit cards. I'm thinking, so what can be so important? I know, I know, you want me to charge some more because you aren't making enough money off of me with interest rates so low.....
I pulled the paper out of the envelope and the front says, "Important notice of a change in terms regarding your account ending in: XXXX. Now they have my attention!
You guessed it....they are raising my interest rate from the sweet 5.99% that it is today to 15.9%. OUCH! Of course, we can choose to close the account and keep our 5.99% until we pay it off or we can keep our card with our wonderful new rate. Uh, I don't think so.
Naturally, we will be closing the account today, but man does that ever tick me off! We only have 2 credit cards. One is a Discover that is just in my name that I've had for years, and then the Capital One is in Irv's name.
I hate credit cards, but on the other hand they have been there when we needed them and for that I am grateful....however, after today, Irv won't have a credit card and I'm not sure I am comfortable with that. I worry about there being an emergency where a large amount of money might be needed that we don't have. Then what would we do? There are still places that don't even take Discover. We need a VISA or a Mastercard....but I don't want a new credit card. I am trying to pay them off and get out of debt! UGH!
This has to be a sign from somewhere. It has to mean something, but what is it? Kathy, you need another credit card. Kathy, you don't need any more credit cards. Kathy, you are one weird woman.....probably the last one!
I am working right now to calm myself and look at the big picture. We have jobs, we have insurance, we have our home and the fact that Irv won't have a credit card is really no big deal. If we need money....we'll just ask our kids! Okay, I feel all better now.
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