I finally got so fed up with paying insane interest and doubled-up minimum payments for no apparent reason, I decided to just pay the damn things off.
Surprisingly, my biggest complaint about paying them off was not that I had to deal with some obviously outsourced call center representative in India who I could barely understand (although that would be a good one). Instead, my biggest complaint about paying off my credit cards is that when I called the a-hole credit card companies to pay them off, not a single one of the bastards could tell me what the exact balance through that particular date in the billing cycle.
What’s the big deal you ask? Not being able to tell me the exact balance of the account including accrued interest through the date that I pay off the card means I will get another bill next month for some totally nominal fee.
You can’t tell me for a minute that the credit card company is not able to compute the interest through a given date in a billing cycle. I’m quite sure they display the up-to-the-minute stats printed on the call center screens. But they wouldn’t tell me because that would put a definitive time of death on the credit card account. They would much rather let it linger on for another month and another billing cycle.
I’m a positive thinker, but this chaps my ass. I think these credit card companies are just plain lying so that they can get one more billing cycle out of me.
As I said, I’m a positive thinker - so what’s the solution? Quit bullsh*tting me. How about that?