Ahh I'm following now, thankfully I only have the 1 card and I never use it. I do agree credit cards suck. That is actually what originally screwed my credit when I was 18. I mean, it was my fault but they didn't help. They sent me a card, YOUR APPROVED BLAH!, so like an idiot I went out and bought a tv with it (was like $120 or something then). I didn't read the fine print, apparently they had tacked on some fees that I didn't notice. Membership fee, annual fee, processing fee, I dont even know what other fee. Just lots of them. Which of course put the credit card over it's limit. So I got hit with a penalty. Then I paid the money for the TV (within the month) but still had all the other crap on it. I was 18 and stubborn and thought "Well, I'll show them. They can't make me pay it". And I didn't.
I went on about my life. 6 years later I start trying to use my credit and it's not happening. So I look and there it is, haunting me. Being a little wiser now I call them up. "Yes sir, no problem we can get rid of that for you, all you have to do is send us $3,000." I had the money, wanted to fix my credit so I sent it, as promised they actually removed it completely from my credit. But here I am years later now and can tell you for absolutely certain, that they will get their money or you will regret it. I have been a credit nazi ever since then, constantly checking it and watched it to go up/down.
-William
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