In these economic times I’ve been fortunate. I’ve taken a hit or two and yet nothing like so many out there have. And so today when I got a letter from one of the credit card companies that gave me an account that said they were closing my account because of inactivity I probably should have gotten indignant or something and called and protested. Really, after all it was my first major credit card and this means my FICO score will probably take a hit. And yet…
I’ve already resigned myself to the idea that due to the current economic claims and a change in my living arrangements/status that my credit will be getting hit by a likely foreclosure here sometime in the next year. While this doesn’t make me happy it was/is an inevitability. Then credit card company probably should upset me. It doesn’t. I haven’t used the card in over 4 years. It was probably time.
Keeping these two things in mind I guess I could panic and get all upset. It wouldn’t really do much good. I am in better shape than at least one of my neighbors. I work hard to at least maintain my job and a place to live. I meet my bills. I am very blessed and thankful every day.
So moving forward I have the options of, when things all work their way through, I can work really hard to rebuild my credit. Or I can decide to go back to just paying for things and move on. It means I will have to put off my wants and put my needs first. It means I won’t have as much room to be impulsive without a little planning first. It means that I don’t have to pay more for everything I purchased on credit. It means that when it comes down to it I will have the opportunity to have more cash each month and not be at the mercy of a credit card company who might decide to up my interest rate or change my due dates or any number or other things that they have the power to do.
No I have not had such extreme treatments. I have, along with many other people, had the interest rate on my primary card increased. I understand it even if I don’t like it. It wasn’t worth calling and getting worked up about. And no I probably won’t completely quit having a credit card. They are handy for some things, like renting a car.
I will strive to be more mindful of where I spend my money and hopefully that will lead to being more mindful of how I spend my time. And perhaps it will help me to do that little bit that I can to help keep the world from facing an economic mess even bigger than this somewhere in the future.
We forget that we have the power to make a difference just by doing. Or not doing, as the case may be. Sure I could protest. It will raise my blood presure and upset me for the evening and even if I could get the account reinstated it would likely be at the cost that I have to use the card. I think I have only one card with a higher interest rate. Who wants to protest that. Please I want you to charge me more for that item. Please here take more money for that $10 item. I’ll give you $10.50 for it instead.
No, I see no reason to protest. I will move forward in the world with the opportunity to live in a more responsible finanical manner and take solace in the thought that it is one less opportunity to get myself into more debt.
Why protest a fortunate event.
Cheers
Originally published at: suguayproductions.com/joomla which has been discontinued.
