3 Fat Chicks on a Diet Weight Loss Community  

Go Back   3 Fat Chicks on a Diet Weight Loss Community > Support Forum > General chatter

General chatter Because life isn't just about dieting. Play games, jokes, or share what's new in your life!

Credit cards

Thread Tools
Old 10-26-2008, 01:41 AM   #1
Athendta's Avatar
Join Date: Oct 2008
Location: Louisville, KY (though really I'm a Michigander)
Posts: 75

S/C/G: 185/180/155

Height: 5'8"

Default Credit cards

I just wanted to share my happiness! Sometimes, when you screw up and miss a payment on your credit card, they WILL take into consideration that you pay on time otherwise, and give you back your 0% interest rate, AND refund you your late fee and the $200 in interest they charged after the rate went up.

This is the last balance transfer I needed to pay off my old debt (I've learned my lesson, I have no further credit card debt, just need to pay off the old). I transferred after my last card's introductory rate went up (as they do after a year), to a new card with 0%, just as I was moving and lost track of the payment on the new card, and they jacked up my interest to 18% after I was only 4 days late.

But all is good now. I figured they'd be all HAHA we already have your money too bad! But they were actually willing to work with me! I'm so happy. I'll have this last bit of debt paid off before the introductory period is over.

Sometimes, asking nicely and politely really does work.
Athendta is offline   Reply With Quote
Old 10-26-2008, 03:51 AM   #2
happy in her own world
Join Date: Jul 2008
Location: oregon
Posts: 1,348

S/C/G: 260/260/130

Height: 5'2"


congratulations! that is exciting.

i work for a financial institution and i'll tell you- if someone calls and demands that i do something i will try my hardest not to do it. but most of the time if a person is nice i either offer to just waive their fee or if they ask i will definitely do it.

i bet it feels good to being so close to credit card debt free! i can't wait til we're there but it'll be a while still.
lizziep is offline   Reply With Quote
Old 10-26-2008, 12:36 PM   #3
Senior Member
raw23's Avatar
Join Date: Sep 2008
Posts: 920

S/C/G: 204/187/140

Height: 5'8


Great job on working hard on getting out of debt and learning your lesson!!!
I finally got out in February of this year. Seriously one of the best days of my life.
My car crapped out recently and now I have car payments, so I guess I'm back in debt, but it's not bad. I also keep a cc around with a low balance that I pay off monthly and keep it for major emergencies.
December Goal:

raw23 is offline   Reply With Quote
Old 10-28-2008, 12:43 PM   #4
No surrender, no retreat
Hat Trick's Avatar
Join Date: Feb 2008
Location: Third Rock
Posts: 806

S/C/G: 170/148! :D /134

Height: Vertically comfy 5'2"; horizontally challenged


Oh super congrats on getting out of cc debt! The absoultely best thing you could do, imo. I've also found out that if you are nice the companies will usually let you off the hook but if you go in all nasty, hey I'd do my best to not help too if I were them.

We used to have a gazillion credit cards, all these store cc, in addition to a few major. The payment dates were all different and more than once a payment got 'forgotten' and we ended up w/interest and late fees. After working at Kohl's and observing and talking to folks we dropped all store credit cards except for Kohl's (only because they give you additional discount coupons like ALOT) and two major cc. We also pay off the cc fully each month, on time -- especially these days. Good job on your accomplishment!
Why didn't Noah swat those two mosquitoes?


EZ's 5lb. Challenge:

Round 1: 5/5
Round 2: 5/5 Finally!
Round 3: 1/5

The BIG Picture

Hat Trick is offline   Reply With Quote
Posts by members, moderators and admins are not considered medical advice
and no guarantee is made against accuracy.

Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

vB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are Off

All times are GMT -4. The time now is 07:36 AM.

Powered by vBulletin® Version 3.6.7
Copyright ©2000 - 2015, Jelsoft Enterprises Ltd.
Search Engine Optimization by vBSEO 3.3.2