I don't even know if I should tell you this. Yesterday was ridiculous. Where do I begin?
It was my day off, but I went in anyway to make sure things went well for the evening-girl-who-is-me. There was quite a bit of stuff to put away, so I borrowed 2 morning stockers and had them help me (there was complaining, yes! How did you know?) Anyway, I got it all finished with a certain amount of satisfaction that she would come in and not have to worry about too much. I came home and decided to pick up some items for Thursday night dinner, which we are hosting this week. Captain Awesome gave me his prepaid card, and away I went.
I went to the grocery store that was farther away, to see my cashier buddy, Mary. Mary cracks me up. She has a crackle laugh, crazy barrettes tied into her short hair, and a height of about 4' 10". And I forgot she doesn't work Mondays. I was having a ball, though they didn't have my greek yogurt with Honey, I had to get regular. I got stopped by old ladies asking where the gravy was, and gave them a tour of the boxed dinner aisle (it's aisle 7, you know). Anyway, checkout didn't go so well.
I rang through all my items, and swiped the prepaid card. The lady asked to see my ID. I gave it to her, not knowing that the prepaid card with Captain Awesome's name on it had arrived. She immediately slipped into fraud mode and said she could not take the card. I said, "should we call him?" "Wouldn't matter, you could be calling anyone." So I said I had another card. Here's where it got ridiculous. She had already accepted it. So she called the manager over, who was also unable to void the transaction. They had to push it through, then take the card to customer service to refund the card, then charge my card the exact same amount. If I did not go to customer service and switch it all, they would have to assume the card was stolen and report it as such. Are you hearing me? The cops, on a prepaid card, on which I am an authorized user. People in line behind me were giving me "the look" and I was starting to feel pretty criminalistic. Since it had to be pushed through, she turned away from me, jerked her shoulder back and said, "I am going to need to you scribble on that again, to make it go through." Like I couldn't even sign a name. UGH! Humiliation! I didn't even do anything wrong!
I could have done this (does anyone else do this? Revisit the situation and say, "I SHOULD have..."
- I could have left all that meat and frozen food and just walked away. Have fun putting that away!
- I could have gone to the ATM and forced her to ring it all back up again.
- I could have said witty comments, pointing out the ridiculousness of a prepaid card being treated like a credit card and the way they pushed it through anyway.
Whatever. So I got home, put the groceries away with ire, and went with Captain Awesome to my workplace to pick up a few things. I saw the girl-who-is-me-in-the-evening, and walked over to say, "Isn't this nice? You didn't have to do all the lugging!" But before I could say anything, she was asking me who did this, because it was all done wrong and she had to redo it. So I really didn't help at all. Glad I came in on my day off to help. Sometimes it feels like it doesn't matter what I do, there is just no pleasing people. Why am I working so hard? Why should I care? Whatever! :P
What did I do after this wasted day? What any self respecting girl would do. I watched the new Chuck and ate sushi at home. And that was the best part of my day. Sad! :) I am done with THAT Cub Foods. I will stick to the closer one from now on. You should have seen the way she looked at me, like everything I said was a planned lie.
So. Anyway. The song of the day for yesterday is
The Steve Miller Band - Take the Money and Run, as I am clearly a criminal with intent to steal and commit fraud. Yes. That sounds like me.
Showing posts with label credit card. Show all posts
Showing posts with label credit card. Show all posts
Tuesday, April 27, 2010
Fish, Pork, Ice Cream and Criminality
Labels:
credit card,
fraud,
grocery store
Thursday, September 3, 2009
How Credit Card Companies are Ticking Me Off!
Today I received my 4th notice from a credit card (all separate cards), notifying me that, because of the economy and no fault of my own, my interest rate is increasing on my balances. How am I supposed to get out of debt? Today was a doozy, because this card had a fixed rate of 8.7 percent when I opened it. In December of 08, they said my payment was late (I did it online, but it didn't go through for whatever reason) and increased my interest rate to 12.24. I'm within $500 of paying it off. So now, they send me a letter, saying that my VARIABLE rate is increasing to 16.99% through no fault of my own, and I can contest, but they'll close my account. Does this make sense to anyone else? I haven't received anything that says I don't have a fixed rate anymore. Last month I got a letter on my 6.5% interest card saying they will no longer extend me any credit, but I can keep paying, though my account will be closed. WHY SHOULD I? You guys keep screwing me over! So now, my "low" interest rate cards are closed, and my revolving balances are all increasing their interes rate. Because of the economy. The fact that my credit score is over 700 makes it easy for them to mess with me. They think I'll just pay it, because no one else is in this economy. HEY, CREDIT CARD BUSINESSES, HERE'S AN IDEA: How about less commercials, and keeping the people who owe you money able to pay it back? I think Capital One can afford to air only 4 commercials a day, instead of 12. Why am I paying for your bad economy and all the people who aren't paying their bills? I don't have a job!
I don't use my cards anyway. I don't care if they close. I'm just trying to get out from the ones with balances (which is 5 now, instead of 11...that's better, but still hard to squirm under their greed). Does anyone have any tips for me? I know to pay minimums on all but one, and try to pay off one at a time, but right now with my circumstances, I'm paying minimum anyway, on everything!
What this means is that between all my credit cards, I'm paying 95 dollars a month TO BE IN DEBT. Are you kidding me with this? I'm paying 95 bucks a month to OWE someone. How depressing is that!?!?!?!
I'm looking for help. Grants, free money, etc :) I hear the government has a certain amount of money each year they have to give away...how do I find these bubbling springs of cash? I just don't know what to do now. I have to get out of debt! I would go to a place to do that, but I haven't found a free financial service yet, or one that is reasonable.
What happens if I just give up and don't pay it? I'm reminded of a song, "The Night I Punched Russell Crowe" by Gaelic Storm. In the second verse, after he punches Russell, Russell's bodyguard runs up and says, "run boy, Chuckie run and don't stop until you get to Mexico." Is that the answer? Am I forced to become an ExPat because greedy American Credit Cards are running me into the ground? What is the equivalent of punching a credit card company in the nose?
I'm just talking out my rear, but seriously, a girl just CAN'T catch a break! If anyone out there wants to loan me 10,000 at 8%, I could pay it off in 3 years....300 bucks a month (800 profit for you!), at 10%, 305 a month (1000 profit for you!). Hey, it's about what I am paying now :) Let me know! :P Right now, 55% of my monthly payments are going to debt! That's just WRONG! :P
I wasn't going to write about finance today, I was going to tell a funny story about how I applied for a job today and they gave me a 5x7 index card as an application, and then I went to the store to buy Turtle food, and realized in line that I didn't have my wallet. But I've been totally sideswiped by credit. Sorry, people that read my blog (both of you! just kidding!). I will be funny again, or at least ridiculous. Jeopardy is on. Then Cash Cab is calling. I'm GOING to be on that show someday. Maybe trivia shows are my ticket to debt free! :) Or, I could have a TV show; "How to be Unrealistic." "Dream Talk" or "Fantasy Island".....oh wait, there's already a TV show called that :) Well, I'll just keep pressing on, as I do :)
I don't use my cards anyway. I don't care if they close. I'm just trying to get out from the ones with balances (which is 5 now, instead of 11...that's better, but still hard to squirm under their greed). Does anyone have any tips for me? I know to pay minimums on all but one, and try to pay off one at a time, but right now with my circumstances, I'm paying minimum anyway, on everything!
What this means is that between all my credit cards, I'm paying 95 dollars a month TO BE IN DEBT. Are you kidding me with this? I'm paying 95 bucks a month to OWE someone. How depressing is that!?!?!?!
I'm looking for help. Grants, free money, etc :) I hear the government has a certain amount of money each year they have to give away...how do I find these bubbling springs of cash? I just don't know what to do now. I have to get out of debt! I would go to a place to do that, but I haven't found a free financial service yet, or one that is reasonable.
What happens if I just give up and don't pay it? I'm reminded of a song, "The Night I Punched Russell Crowe" by Gaelic Storm. In the second verse, after he punches Russell, Russell's bodyguard runs up and says, "run boy, Chuckie run and don't stop until you get to Mexico." Is that the answer? Am I forced to become an ExPat because greedy American Credit Cards are running me into the ground? What is the equivalent of punching a credit card company in the nose?
I'm just talking out my rear, but seriously, a girl just CAN'T catch a break! If anyone out there wants to loan me 10,000 at 8%, I could pay it off in 3 years....300 bucks a month (800 profit for you!), at 10%, 305 a month (1000 profit for you!). Hey, it's about what I am paying now :) Let me know! :P Right now, 55% of my monthly payments are going to debt! That's just WRONG! :P
I wasn't going to write about finance today, I was going to tell a funny story about how I applied for a job today and they gave me a 5x7 index card as an application, and then I went to the store to buy Turtle food, and realized in line that I didn't have my wallet. But I've been totally sideswiped by credit. Sorry, people that read my blog (both of you! just kidding!). I will be funny again, or at least ridiculous. Jeopardy is on. Then Cash Cab is calling. I'm GOING to be on that show someday. Maybe trivia shows are my ticket to debt free! :) Or, I could have a TV show; "How to be Unrealistic." "Dream Talk" or "Fantasy Island".....oh wait, there's already a TV show called that :) Well, I'll just keep pressing on, as I do :)
Labels:
credit card,
credit fees,
debt,
debt consolidation,
economy,
venting
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