No. of Recommendations: 0
Thanks to anyone who's responded to this post.
(I'm too lazy to go back and figure out who did.)

Somebody criticized my strategy of making payments as large as I can when I get my cc bill, then simply living off the card for the rest of the month. I then saw someone posting figures that defended my position with numbers. Thanks. Here's why I do what I do:

1. Credit cards are convenient.
2. I get cash back off my purchases.
3. Although my purchases acrue interest through the month, I've saved interest by having my balance say $1200 lower the whole month.
4. It's fun sending large payments over and over.

All in all, I think I come out ahead or somebody who lives the month, then sends what's left over to their cc company.

I followed somebody's advice, and called my credit card company. I attempted to be diplomatic, so as not "get in a pissing match." When I finally reached the person whom I felt had the power to help me, I asked politely, "Please lower my interest rate from 28%."

He told me to piss off. So it goes.

However, the chap did offer to give me back my charging privelegs. He said that my steady payments over the last six months had made such possible. I must now be their wet dream, a proven credit abuser with a large balance + available credit at 28%.

It almost couldn't have worked out better. Since the card is now active, I can send all my money to that one card, and not worry about being strapped for cash if the car blows up.

Thanks for the advice, whomever offered it.

To respond to TMFJedi's suggestions (cool handle, BTW), I tried to apply for lower interest cards. I've been turned down, and in fact, the latest rejection listed excessive credit inquiries as a reason. So, I've abandoned that route for a bit.


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