Dang. My goal for many years (since I've given the credit card companies thousands of dollars in the past) has been to not give them another dime. Today I had to give them $60 because we accidentally charged a purchase to a credit card that I no longer track.
I've been asking NT to cancel several credit cards for at least a year now, maybe more. I used to remind him every month or so but I'd kind of given up. Anyway, one of them called him to say he was 2 months behind on a payment. I looked into it; it had been linked to Paypal and I must have accidentally chosen it to pay something.
Every once in a while I have a budget tracking discrepancy, so I imagine when this happened, I marked the purchase as going on our regular credit card. Then when the month's payment came I probably had a $36 discrepancy from what I owed and wasn't able to reconcile it, so just altered the budget. My math does fail me from time to time, so I probably thought nothing of a $36 discrepancy.
So we paid the stupid tax. Hopefully this will spur him to close those cards once and for all.
Late fees :-(
January 18th, 2017 at 07:03 pm
January 18th, 2017 at 07:13 pm 1484766828
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January 18th, 2017 at 07:24 pm 1484767460
Closing the credit cards will hurt his credit rating. Better to put them in a drawer and remove them from links to shopping websites than to close them.
Really want to see you get out of that outrageous PMI. The government is supposed to be helping first time and lower income buyers with the FHA program. Instead, they are ripping them off.
January 18th, 2017 at 09:09 pm 1484773745
January 18th, 2017 at 09:55 pm 1484776506
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