No. of Recommendations: 4
hi all,

as predicted here, after i filed for bankruptcy in october 05 (20 minutes before the law changed), i was inundated with fabulous credit card offers. reason: BK filings are public record. and the banks know my "assets" won't be protected for the next 7 years at best, probably longer. (i didn't look it up because, OF COURSE, i will never file again.)

under the terms of my divorce, i assumed some of the debt that my EX-husband and i shared - which immediately went on two 0% cards. (i have received very few offers since then.) unfortunately, in all the brouhaha about various and sundry, i didn't, um, make a note of whether/if those rates expire. of course again, i have been rigorous about paying these on time - as well as all other payments that might trigger the universal default clause and/or upset xtn.

now what? i guess it's silly - but i'm afraid to call the banks and ask about the terms for fear they'll realize they never should have given me such great deals and hike my rates to India-level heights. or that they will notice the rates should have been changed 3 months ago and they will do it now and if i hadn't called they wouldn't have noticed and i would have sailed along under their radar. good grief, when i type that i see how wacky it is.

nonetheless, i just can't shake those thoughts. something similar happened to me once when i was trying to battle the high interest rates i had pre-filing and pre-divorce: i called mbna to ask for a lower rate and ended up with a lower credit limit and a referral to debt-free america or some such wacky consolidation/kickback company.

so i'm asking for 2 things here: input as to whether this fear could possibly be founded in reality, and, if not, encouragement to go ahead and do it.


who makes no apologies for the shortage of upper case...
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