Bah. I hate money!
I'm carrying a little bit of debt right now. It was unavoidable, really...the construction last year pretty well ate my savings WHOLE, and purchases still needed to be made, and it got more out of hand than I would have wanted, but hey...learning experiences, all of 'em, right? (Gah.)
It's not terrible. I mean, it's mildly uncomfortable, but I'm still able to (a) make payments significantly higher than the minimum due on a monthly basis, (b) make payments on time, and (c) still afford all the rest of the household bills. Life isn't fabulous, but it's not all together awful, by any means.
So today I look at my interest rate on my credit card, because a few months back they warned me that it might be a'changin', and sho nuff! It did. It went up 5% (!!!), and I thought that the least I could do was call and see if they might take into account the fact that I've been with them for-fucking-ever, and I've been a really good customer all that time, too! So please? Won't you give me some leeway, oh mighty powers that be at Bank of America's (Platinum, no less) credit department.
Dammit. Assholes told me to get the payments above the $1,000 range on a monthly basis, and ditch some of the other revolving credit I'm carrying*, and then in 6 months, I can call back again and maybe they'll reconsider. And, oh yeah, they lowered my credit line a few THOUSAND dollars as well.
This is the first time I've been basically slapped in the face for being a decent customer in my entire life, and I can tell you with all kinds of certainty, it hurts a lil' bit.
I did get the woman to admit that if I call back after a couple of months, they would review it and reconsider. "No guarantees" she said. I said, "But it's a possibility, right?" She didn't say no, so I'm gonna call again after I pay down the other credit I owe in September.
I've said it before, and I'll say it again, money is evil. Bah!
*I carry a "revolving" credit debt on my Home Depot account right now, because I had two different purchases made that apply to their no interest/no payment promotions that will be coming due in September and January, respectively. I tried explaining that I take advantage of those kinds of deals so I can put money into my savings account instead of paying them off when I can, so I can earn interest on the money prior to paying it, but the credit department lady didn't give a flying shit. I've actually considered just paying off the Home Depot card immediately a couple of times over the last couple of weeks, because, well, I kinda hate it hanging over my head. And now I have even MORE reason to hate it. So maybe I should, eh? My logic used to work before I owed so much to BofA. But I guess they really hate it when you carry more than $10,000 in debt with them. Oops! My mistake...won't happen again. (Assholes...)