Credit card companies really confuse me. I went over my limit on one of the cards and they demanded a payment right away and tacked on 40 dollar 'fee'. Fine. Before I could get all my auto payments deleted, I was over the limit again, by 9 bucks. So I took advantage of transferring the balance to another card because two over the limits in less than a week should have defaulted my APR to like 24%. Got my statement today. No default rate, in fact no mention of the second faux pas. Nonetheless the transfer was to a card that keeps the rate at 6% for the life of the balance. And my third card was being changed from Visa to Mastercard. Except I never got the new card. I got the PIN mailer for the new card. So I called the 'never got the card' number. They can't even be training these people at all these days. She read all the crap to me twice. She told me to cut up my lost card. She kept asking when I used the new card last. I think she's sending me a new card, I couldn't tell since she was coughing so many times when she talked, I almost asked if she needed to go to the hospital. I know why I didn't get the new card. They still have my old address ( I notified them ) and sent it there, but it was returned since the PO doesn't forward credit cards. And this is the card from the Citadel Credit Union. The same CU who wants to charge me a fee for not having a minimum balance.
My student loan consolidation is in the mail. Payments will be 80 bucks a month for 10 years. I hope to have it paid off in 2. I was kinda torn, but July 1 those rates will hit 7% As long as rates never get below 6.125% I'll be good. I figure if I I keep paying what I pay now or pay the 80 and put the balance towards my car loan I'll get out the hole much quicker. I'm teetering on living paycheck to paycheck right now, but I pay more than the minimum on the credit cards
Nice weather finally. And I haven't ridden in a long time. Maybe this weekend. Not going home as gas is still to high and I was just home for Mother's Day and will be home again for Father's Day. Memorial Day alone. Maybe I'll get a case of really cheap beer.
I have a notebook in my bedroom to catch snippets of dreams and random thoughts. Blah. It's empty.
eHarmony is winding down. Not renewing. Not accepting new matches. Have 7 Open Comms, who don't actually say anything. One new today that's in King of Prussia, but from what she wrote in her 1st communication, I can bet she'll not responded to my answer.
So yeah. Poor. No friends. Work sucks. Family members sick. Anniversary of my college roommate dying is near.
Philly friend is always going to Brooklyn for some reason or the other and invites me along to go. But I can't afford to go shoping in NYC every other week. He can't either but his sister pays his credit card bill every month. She gave him 500 bucks for the hell of it. His Mom does his laundry when he goes home. And he wants me to drive and park my car in South Philly for a weekend visit. Hell I even scored free tickets to see Stephen Wright in June. He's 'busy'. I gave up even answering the phone when he called because for 2 weeks straight he called for computer help, and when I told him what to do he had the nerve to tell me I broke his Dad's computer. I have a rule I'll help ya fix a spyware infested PC ONCE. After I tell you to NOT go to the 'free' porn site's don't come back for more help. And every fucking time I call him, he's eating or walking into a store, or on the Subway, or on the train. And he never calls back, or will call back and have to go because he has to be up at 4:30 in the morning. he lives in South Philly and commutes to one of the northern suburbs.
At least I can get ahold of him. My other friends, are either busy or fuck they never answer the phone/call me back. It's no wonder I like to be alone and solitary a lot of the time. Invest the time and energy into creating friendships and realize that I don't really have any friends. At least none that are interested in talking to me. It's fucking lonely in the apartment.
Moving had it's upside but I'm blinded by the shitty side right now.
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