Credit Cards Suck!

So since the sale of our land, Matt & I thought this would be the perfect time to get serious about paying off credit card debt. What a nightmare!! Has anyone really looked at what they are paying when you send in your monthly payment? FYI in case you haven't, the credit card companies in most cases are ripping you off!

Time to do something about it I say! So, I decided I was going to call every card company that I had and TRY to negotiate the APR and or balance of the card. What a joke! It doesnt make any sense to me; here's what happened. I called the first place, they pulled my account history and told me something I already know- that I havent missed a single payment. Hello, I know this. The lady preceeds to tell me that if I want "a break" I'm going to have to miss 4 consecutive payments! WTF?!? I'm trying to reduce my debt not get into a bigger pile of poo! So I say screw that and move onto the next one... this went on 3 times with each one telling me the same thing.

Here's what I dont understand: why punish the people that are making an effort? I could be like a lot of other people in the world at this time saying heck with payments I'll just file bankrupcy or whatever but I'm not! Granted I dont have a problem paying my bills, they get paid each month faithfully, but whats wrong with trying to get ahead? I cant get over that they wont do anything for you until you are in really bad shape! I'm thinking, hello I'm trying to get this thing paid off... isnt that the point? Obviously I've been mistaken!

Like I previously said, if you dont know what your monthly payment is going towards find out! Example: 1 of my credit cards I pay the minimum balance on each month, well come to find out that minimum balance is ONLY covering the interest that gets tacked on each month. LITERALLY this card will NEVER get paid off unless I put more money towards it! I just about fell out of my chair!

I am so sick to my stomach I cant even think straight! Wish me luck in this long hard process of becoming debt free! Oh its music to my ears :)