Quote:
Originally posted by IowaStatePhiPsi
That's where I'm at. If I stay on my debt reduction plan I'll have the balance down to $1500 by the end of 2005 and then convert it all to a student loan for a lower interest rate while I student teach in spring 2006.
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I feel ya. My mom told me to put my Visa in a ziplock baggie and throw it in the freezer till I paid it off. It worked.
On the Capital One cards......stay away. Those people try to rip you off every way they can. I pay all my bills online and once I made a payment on my Capital One card, got the conf # but for some reason they said I didnt make the payment and charged me late fees despite me having my confirmation number and the printed out date and time of transaction. I didnt pay it since I didnt fuck up in the first place and they charged me again the next billing cycle.The fuckers still made me pay the fees in the end.
And it didnt help my credit score at all. I have a really high credit score but after that Capital One fiascal my score went down. I went from the low 800s to the mid/high 700s. I had to beef it back up by paying all my bills early and paying off the cards themselves.