Buh-bye, Capital One!
Today marks a fairly significant day for me, financially, for a couple reasons. One, last night I paid bills, and with those credit card payments, I passed the half-way mark on my CC debt pay-off! I can't tell you what it feels like to make it into a lower $1000 interval - I will probably cry my eyes out when I finally pay this off in-full. For now, its like making it down another 10 pounds when you're on a diet.
Second, with that in-mind, I've had my fill of a certain credit card company and their ridiculously stubborn fees and interest rates. I got my credit report / score a couple months back and finally realized that the terrible consumer I thought I was, I am not. In fact, lay-off considered, I'm pretty darn responsible. So why am I paying some kind of delinquent APR? Because the banks need extra revenue to pull themselves out of a recession they created? No thank you. So, Hugo at Capital One, go ahead and close my account. That's right - 4 years of debt romance in the making, all down the drain over a stupid APR and an annual maintenance fee. If I'm willing to do my part and pay you on-time, you better be willing to do your part and show some people a little appreciation. Say goodbye to another customer.
I'm down another credit card, another $1000 on my debt balance, and another month closer to "financial responsibility." Baby steps :)
Second, with that in-mind, I've had my fill of a certain credit card company and their ridiculously stubborn fees and interest rates. I got my credit report / score a couple months back and finally realized that the terrible consumer I thought I was, I am not. In fact, lay-off considered, I'm pretty darn responsible. So why am I paying some kind of delinquent APR? Because the banks need extra revenue to pull themselves out of a recession they created? No thank you. So, Hugo at Capital One, go ahead and close my account. That's right - 4 years of debt romance in the making, all down the drain over a stupid APR and an annual maintenance fee. If I'm willing to do my part and pay you on-time, you better be willing to do your part and show some people a little appreciation. Say goodbye to another customer.
I'm down another credit card, another $1000 on my debt balance, and another month closer to "financial responsibility." Baby steps :)
ps: many thanks to my grandparents for this awesome printer / scanner / copier that makes sketching + posting at home a new possibility and to my parents for shipping it to me across the midwest!
| From kelleybozarth.com |