Due to, as best I can figure, to one late payment and one accidental credit line overrun ( for a vehicle emergency), all of my credit cards have moved their interest rates to USURY setting. I feel like I am paying back money to a paycheck cash location or Guido the Killer Pimp.
Did I screw up? Yes.
But, I pay on time. I pay direct to card holders. I have paid off cars, houses and school loans. I have a good employment history.
I have no desire to intentionally miss payments and get behind so I can use some credit recovery loophole. Declaring bankruptcy is not an option.
But, if I cancel them, that lowers my credit score. Cutting them up on the other hand...
I've shredded most of the little monsters, and except for a gas card, want to operate with cash. Which means I can't rent movies from Redbox or Blockbuster. I can't cash a check.
And since that will leave me with a debt card from the same account my bills all come out of, I better hope I don't time grocery day with rent.
And yet. everyone is still offering me credit...
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