I seriously lost track of time this week. I guess that’s what happens when your work week starts on a Wednesday. I mean I’m not mad about it, I’m just a little caught off guard. Normally I’m all revved up on “its Friday” juice and able to fire off a post no problem. I’m staring at my fingers on the keyboard waiting for them to work their magic and yea, nothing is happening. Sip my tea, still nothing. Okay brain it looks like it’s just you and well, you. This isn’t going to be pretty.
Yesterday, I FINALLY received my tax return. ::happy dance:: I paid off 3 of my credit cards, you read that right, T-H-R-E-E. I guess I actually am making progress. The thing about debt recovery is its slow-moving. Unlike debt building, that can be done in a matter of hours. It’s easy to be discouraged and want to go back to your old ways but don’t. I’ll tell you what has seriously helped me more than I thought it would, my charts. When you see the progress, or the regression, it keeps you motivated. Sad to say, one of my card totals has gone up since I last posted due to interest rates and protector fees. The f#*$ is a protector fee?! HOLY SHIT BALLS Y’ALL!! Sorry for the caps but I mean you would not believe what just happened.
Okay, so after I typed the words “The f#*$ is a protector fee?! “, I actually googled what the shit this thing is. Here’s my mentality, “I’ve had this account protector fee for as long as I can remember, and thought it was because I was in debt, so I never questioned it.” Yea, no, after googling, this is an optional program! So I call….
Me(all like wtf): I don’t remember enrolling in this shit.
Nice Lady: Well, unfortunately, I show when you signed up for the card in 2007 you also were enrolled in this program.
Me(still all like wtf): Awesome but ummm all that money I paid you f#^$s I will be getting back, right?
Nice Lady: No, I’m sorry to say but I can only reimburse you for the previous 3 months.
Me(-_-): Yea but I’ve been paying for this for 5 years now. I called to get my interest rate lowered about 7 months ago and the guy never mentioned that this program was optional.
Nice Lady: Oh, well that sucks.
Me: Tell me about it! So now what?
Nice Lady: Well like I said, we don’t care that you’ve paid us all this money and never used this program. We took advantage of a youth who didn’t know what she was signing up for and won, but in return, we will give back $255 and cancel the ongoing enrollment.
Me: Well that’s great! Seriously, thank you so much. I’m so excited about being robbed blindly. Have a nice weekend.
Nice Lady: Oh you too and anytime you want your money to go to waste give us a call back.
Okay so maybe the phone call didn’t happen exactly like that. The woman was extremely nice and I’m never rude or swear to anyone on the phone. I worked in a debt collection center and it changed my whole outlook on how to speak to a customer service rep.
So, I was excited about receiving some money back but then I did the dumb thing. I calculated just exactly how much money I had actually given to this “program”. Anyone good at math? $85/mo x 60/mo =????. Five f#@*ing thousand dollars!!! I’m in complete awe. I feel so foolish, naive once again and used. Please PLEASE please check to see if you have this program on your credit card. I completely understand the idea behind it and it’s probably saved a lot of people from debt collection but I mean……. Just check your card.
Woah, I just got all revved up on “Ive been being robbed for 5 years” juice