okay, i got the bright idea to open up a target credit card account when school started this past year. i said i was doing it to "support my school", since a percentage of what i spend is given back to my school. but it was really just because i love target and like to spend more money than i make. yes i said it and it's true! however, since september i have been blessed to have been apart of a financial peace small group at my church. so i am in the process of eliminating debt and trying to SAVE money. interesting concept for someone like me!
i cut my target credit card and another visa card up about 3 months ago now. surprisingly i haven't died of starvation or from the lack of this summer's latest hand bag. i didn't cancel my credit cards yet because i am still paying them off. anyways, i got a letter from target national bank the other day. it stated that my wonderful payment history had earned me a large credit increase along with my target card being switched to a visa target card, so that i could use it anywhere in the whole wide world. i have to say it was tempting...i started to think of all the reasons why i should accept this reward for my great behavior (yeah right). but i came to my senses and decided to opt out of the upgrade. well, let me tell you they sure don't make it easy for you to opt out. you have to read through this brochure with negative 4 font and then you have to call an 800 number, enter your account number and press 2 about 6 times to confirm that you really do want to opt out. isn't that crazy??!?!? so much effort to do the right thing. if i had decided to take the new upgrade i would have had to do nothing...absolutely nothing, just go to my mailbox and get it when it arrives. so, beware of credit card companies. they will do anything to make YOU slave to the lender.
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Seriously! When I went to close my accounts at another credit company, they said I had to speak to a mangager!! To close accounts with a zero balance!! Ridiculous! They just wanted to talk me out of it. It took several phone calls and emails and finally a written letter to them to stop sending me offers and zero balance statements as the accounts were closed (a total of 3-4 months).
Yay for you for standing firm...it's nasty business out there :0)
Ok spell check works great when you use it! I meant MANAGER (maybe he's a mangy person and it was a slip of the typing fingers!!)
shouldn't it the be the other way around??!?! easy to cancel a card but hard to yes to more credit! this is a crazy world we live in...
I know, seriously!
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