Grr...credit card companies
Excuse me for jumping in here--I generally just
: on these g.o.o.d. threads, but I had the most frustrating conversation with a cc company yesterday, and I just have to ask if others have had this experience...
The background: DH and I accumulated a lot of debt due to his divorce and him starting his own business. Some (not all) is credit card debt, which is what we have been focusing on paying off first.
So we got one of my cards paid off this month--YAY! Only when I call the company to cancel the card, I LITERALLY cannot get off the phone with the guy!! He's wanting to know the rates of my other cards, and says he'll transfer the amount from one onto the other (not that he'll lower my interest rate or anything...). I said no a couple of times, but this guy just wouldn't give up! At this point my toddler had woken up from her nap and was crying, so I just cut the call off and said I would call back. But I was steaming! I mean, who controls my money anyway?
Anyway, the upshot is now I'm more determined than ever to pay off this stupid cc debt, and am going to cut all those cards up. I don't think we will ever be able to go to a completely cash-only lifestyle, but after that experience, I am more willing to try!