Depression Understood Forums

Currently, I am a tad distressed because I've had a run-in with the creditors. I forgot to make a payment on this 1 card I have. It was a few days late.

(The thing about it is that there was nothing that said I was late any place when I looked on my account, so I actually thought everything was OK! THEN, BAM! THERE IT WAS: The new *reduced* limit. & I was like, "Hhrrmm??")

Truly, I think that 1 card is cursed. It hasn't been the same since a different company took over that card a few years ago. This is my 2nd error with that card; the 1st involved reward points usage. I've had no other errors whatsoever.

(While the points go toward the balance, you cannot use it as a payment for the month, which I can do with another card I have. I really do love that other card, but it is not as widely accepted.)

Anyway, do you know what the company did? It axed my credit limit by about 33.6%. It sounds harmless, but that actually equals more than 1/2 of the limit. Hhmm, I seriously didn't know it was like that! WHO DOES THAT?! Apparently, creditors do.

That's okay, though. While they think that they have socked it to me, they have really only socked it to themselves. I always try to aim for the balance of any of my cards to be no more than 1/3 of the limit.

I will most likely only charge small things or $100 or less per year just to keep the card active, in case of an emergency & to stay well under my limit of no more than 1/3, since the company was very nasty--in my opinion--with how the situation was handled. (It will be 1/10 or less now because I really don't have time to be bothered with this sort of crapola.)

They can continue. They will have less business with that attitude. It wasn't anything a simple phone call couldn't have resolved. I had the money set aside to pay on the balance.

Well, I must take it easy for my heart, & that's what I will continue to do to the best of my ability. I am just hoping that it doesn't affect my other cards, where I have never missed a payment, which I am inclined to believe it will.

That's alright, though. If the other card companies wish to penalize me, they can go ahead because I will then only charge a total of $100 or less per year for all of them. If they want to play hardball, I'm ready to roll.

I can simply pay for what I need with cash. While I don't like to walk around with a lot of money on me, it certainly is doable or I could use my debit card more. I can also buy locally more. (I think I found a soapmaker whose soap I'd like to try! ) If I can't get what I want here, I can do without it. It's really pretty easy. There are ways around it all.

In fact, using cash may be better, so I don't have to worry about making payments every month.

I'm not sure there is much I can do to reverse what has happened. Me against a huge credit card company? Oh c'mon, whom do you think will win? With that, I'm going back to bed. I only got up to turn on the computer to download a program & prepare something I want to mail off tomorrow, if all goes well.

I'm too tired to be stressin' about ****.

I didn't want to continue in the above post that is already long.

My major issue with the reduced limit is that if I seriously had an emergency tomorrow, I would have to use my other cards (whose limits are hopefully the same as when I last checked them, at least).

I've seen plane tickets from where I live to the US mainland cost anywhere from $430 or so dollars to $1800 roundtrip, depending on the time of year you fly....

When I would come home from college, it would be at least 600 something $.... Sometimes it was 900 something $.... I remember when my dad was battling cancer, & we stayed in this hotel for a while, it was about $225 per day, but it was necessary because the medical towers were right around the corner from the hospital.

Edit: I will try to start the process soon of requesting my credit report to see if I can uncover what caused my credit limit to plummet like it did. I called the card company & from everything everyone keeps saying.... it has to be something on my credit file disclosure....

Thing is, I can't think of what it could be at all! I'm hoping that this is all some kind of false alarm & that it's not anything fraudulent... I'm screwed if it's fraudulent.... Um... What I mean is: I will be in for a long battle if it is fraudulent....

However.... I promised myself that I would not stress about it, so I am going to try to keep up my end of the bargain....

Well... I'm glad there haven't been any more problems with the creditors. I also just don't use that card where the company did me dirty. I kept it, but I have not charged anything since that time. Whatever it will be, it will most likely be a small amount anyway.

What I notice now is something that looks odd to me. I'm finding that the companies are just up & changing the card whenever. I know policies change whenever. I got that part, but now it seems it's happening with the card itself now too.

Recently, I've gotten quite a bit of new cards for existing ones I have when they don't expire for another few years, which leaves me as "???".... It's been like 3 for the year already. I was even amazed when the one company sent the card so early when it didn't expire for another few months, but I guess they want to make sure I get it before the holiday mail....

I guess it's just a tad disturbing that the companies seem to be super enthusiastic these days--almost from out of nowhere. It's just plain weird to me.[/i]

I am glad my memory is keeping up well enough to make payments on time.

There are no problems with the creditors, but the looming debt is almost overwhelming.

I have been trying to do things for myself, & nearly everything had to be done NOW, so I can have enough clothes, shoes, & underclothes for a professional look in the work environment. What I have now is okay, but I just didn't have ENOUGH.

...trying to do my best at life, even if I fail.

You wont fail.

The debt is going away, so I am glad. It's still not where I want it, but it is becoming smaller. Thank goodness for that.

Also, thank you for the encouraging words. I am really trying to get together a life.

With the New Year here, I've managed to get rid of another debt entirely, so I'm glad.

Basically, there are 3 left.

One can be gone in about 2 months, depending on how I manage. I think I might try to get that gone. That'd be a nice birthday present to myself.

Then, I can concentrate on the other, which I think I can reduce to 0 in about 4 or 5 months....

After that, I can then get to late last year's hospital bills.... I would probably attempt repayment of the emergency room visit for my hand, as that should be significantly less than the stay for the seizure.....

I'm trying to be responsible..... It might take just a little while longer, but I'm hoping nothing else pops up before I can get rid of my current debts.... I'm praying....

I am going to place my plan for wellness here.


Hhhmmm..... I really need to see a doctor:

[1] to determine what allergies I have (an allergist, I guess);

[2] maybe a CT/CAT scan for my brain;

[3] maybe one for my chest/heart (I need to do some research here.... but basically I wanted to have some imaging done of my heart to see its current condition----if something isn't wrong with it that can't be uncovered with the naked eye, magnifying glass or scope.... Something like that)

[4] Annual gynecological exam + blood tests (hormones, other conditions)

[5] Sleep test perhaps if CT scan doesn't uncover anything about my brain

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Okay, here's the situation. My folks had promised that they would assist me with covering some of the costs of going to the doctor.

WELL, THE HELP NEVER CAME. If I do not try to do something now, my life will just pass me by & I will have gotten absolutely nowhere!!

It is going on 6 years, since I wiped out & nearly died; 8 years since I had my first seizure that no one can see what the cause is.... The only how I had had any tests done last year was because I had gotten assistance from the government. Everything was fine, except for 1 test. (It's the one where they flash lights at you with your eyes clothes, in a dark room..... )

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Anyway, the plan is to pay down all my debts as much as possible, & then just charge everything.I mean--get estimates & make sure it is not more than my limit!! I have been waiting for help, but it has not arrived yet, so I will do what I can. I'm only sorry I didn't realize it sooner....... (That my folks had been doing me badly in such a way & that I'm basically on my own.....)

If I can get a job as well to pay down everything faster, then that will help greatly. Jobs have been pretty non-existent, though, with the current conditions on the big isle....

I am only sad that any job I go for will not be anything good.... All I had seen were minimum wage jobs (& I graduated from college). If I don't take it as is, then I'm said to be "over-qualified".