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I'm sorry. What did you just say?

December 21st, 2007 at 03:10 am

I couldn't believe it. I know I've been paying my bills on time .... but I still owe $7100 to a collection company for the car my kid wrecked and about $11,000 on credit cards and loans

Okay let me start over. I called my bank and told them I was coming in to take out some cash and I would need it in $20's. I give them notice, because if you don't...well the bank doesn't always have the denomination you want.

As always I had to give them my account number and name and I guess up popped on her screen that she had to ask me if I wanted to make a credit card transfer to my bank credit card.

I was shocked. I said "I'm sorry. What did you just say?" and she explained it to me.

Now I am going through a debt management company in order to pay all my debts off. I am struggling to do it, but I'm doing it.

"No thank you I said." Shaking because I'm not supposed to incur any new debt or open any new credit cards. I gave my word.

So I went and picked up the money and I gave some to my mom and went to Target. Well I got to Target and ... now get this... I was moved to an ATM/Credit card checks stand only where the ATM slide wasn't working. NOW have any of you ever heard of this???? All I wanted were a bunch of $5.00 gift cards and I had cash. There was no way I was moving again.

I presented my ATM/Visa to the checker and was informed that I am pre-approved for a Target Visa. "Would you like to put your purchases on your Target Card?" Huh??? What???? "No Thank you. I don't want a Target Visa".

Can my credit score really have improved so drastically just by going through a credit counseling service and paying all my bills on time for the last year? Is that even possible? I paid one of the accounts in collections. I'm paying the other Saturday and I'm starting on the car in January.

Scarey ain't it?






Posted in Still trying to figure it out | 6 Comments »

6 Responses to “I'm sorry. What did you just say?”

  1. threebeansalad Says:
    December 21st, 2007 at 03:32 am 1198207971
    1198207971

    No, the sad fact is that credit companies love high risk customers. They know you are likely to fall behind in which case they can pounce, increase your interest and possibly repo your stuff. They can be very evil.

    Good for you for staying strong.

  2. Amber Says:
    December 21st, 2007 at 03:38 am 1198208316
    1198208316

    I agree with threebeansalad, stay away from them

  3. baselle Says:
    December 21st, 2007 at 04:26 am 1198211165
    1198211165

    The credit industry loves you like a spider loves a fly with one wing.

    Good for you that you now hear the come-ons. We hear them all the time and we pause, then say "no, thank you" 99% of the time, 100% of the time when things are bad. The pause and the thank you are very important - you look like you've considered it and they usually prevent the "are you sure?" response which you definitely don't want. Big Grin

  4. Caroline Says:
    December 21st, 2007 at 03:23 pm 1198250587
    1198250587

    I do most of my shopping at Target and I've come to realize that every time I spend more than $100 I'm "pre-approved" for a target card. I know I have a so-so credit score. My boyfriend, on the other hand with perfect credit, is consistantly pre-approved with it being stated on his receipt.

  5. reginaastralis Says:
    December 22nd, 2007 at 12:30 am 1198283446
    1198283446

    Does Target run a pre-approval get when you use a debit/credit card? I know my credit is shakey, but they "pre-approved" me, which I know would have been "denied" once they really ran the check.

  6. boomeyers Says:
    December 22nd, 2007 at 06:45 am 1198305930
    1198305930

    Really, treat those jerks like the plague!! CC's = disaster!! Good job turning them down, don't let them get to you!

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