Comments on: Maxed Out http://wakemenow.wordpress.com/2008/10/14/maxed-out/ Another young(ish) woman trying to find her way in this world... Fri, 18 Dec 2009 20:58:33 +0000 http://wordpress.com/ hourly 1 By: March’s Economic Considerations « Wake Me Now http://wakemenow.wordpress.com/2008/10/14/maxed-out/#comment-507 March’s Economic Considerations « Wake Me Now Mon, 23 Mar 2009 07:51:09 +0000 http://wakemenow.wordpress.com/?p=2050#comment-507 [...] largely remain a mystery to me.  Hell, I can’t even figure out how interest is compounded on my credit cards and am willing to bet plenty of others share this financial ignorance.  It’s too damned [...] [...] largely remain a mystery to me.  Hell, I can’t even figure out how interest is compounded on my credit cards and am willing to bet plenty of others share this financial ignorance.  It’s too damned [...]

]]> By: wakemenow http://wakemenow.wordpress.com/2008/10/14/maxed-out/#comment-274 wakemenow Wed, 05 Nov 2008 00:52:06 +0000 http://wakemenow.wordpress.com/?p=2050#comment-274 I closed down that asshole HSBC store card! Paid it off and shut it down! Might leave a bad mark on my credit but I don't care. They decide the rules to this game, so it's not surprising that closing a credit account actually can hinder your chances of being approved for other loans. Oh well. To hell with them! Tired of them calling at 8am, blessing me out like I don't have any sense. No, I didn't have any money and those folks wouldn't send out a paper statement. There was no reason to treat me as they did. Just opened the account in the spring and closed it in the fall. I closed down that asshole HSBC store card! Paid it off and shut it down! Might leave a bad mark on my credit but I don’t care. They decide the rules to this game, so it’s not surprising that closing a credit account actually can hinder your chances of being approved for other loans. Oh well. To hell with them! Tired of them calling at 8am, blessing me out like I don’t have any sense. No, I didn’t have any money and those folks wouldn’t send out a paper statement. There was no reason to treat me as they did. Just opened the account in the spring and closed it in the fall.

]]> By: wakemenow http://wakemenow.wordpress.com/2008/10/14/maxed-out/#comment-250 wakemenow Wed, 15 Oct 2008 00:51:51 +0000 http://wakemenow.wordpress.com/?p=2050#comment-250 Just got turned down by Wells Fargo for auto refinancing, which is no big surprise. My credit rating is pretty pathetic and my income is largely unverifiable. The current interest rate for the bank it's financed through now is 10.5% and Wells Fargo said anything they'd offer would likely double that rate. Damn. So much for that idea. I can afford the car now, it's just so dang expensive with the insurance and gas prices added in. But oh well. Guess it's back to the original plan of figuring a way to pay it down early and trade it in on another reasonably-priced used car before it starts having mechanical problems. The beauty of returning home to live is that there are plenty of shade tree mechanics to help keep our automobiles running. Mine's only 4-5 years old, so there's time. The extended warranty hasn't even run out yet. Just got turned down by Wells Fargo for auto refinancing, which is no big surprise. My credit rating is pretty pathetic and my income is largely unverifiable. The current interest rate for the bank it’s financed through now is 10.5% and Wells Fargo said anything they’d offer would likely double that rate. Damn. So much for that idea.

I can afford the car now, it’s just so dang expensive with the insurance and gas prices added in. But oh well. Guess it’s back to the original plan of figuring a way to pay it down early and trade it in on another reasonably-priced used car before it starts having mechanical problems. The beauty of returning home to live is that there are plenty of shade tree mechanics to help keep our automobiles running. Mine’s only 4-5 years old, so there’s time. The extended warranty hasn’t even run out yet.

]]> By: wakemenow http://wakemenow.wordpress.com/2008/10/14/maxed-out/#comment-249 wakemenow Wed, 15 Oct 2008 00:16:43 +0000 http://wakemenow.wordpress.com/?p=2050#comment-249 To get more information on unethical, predatory credit lending and other banking practices, you can visit Americans for Fairness in Lending web site: http://www.affil.org To get more information on unethical, predatory credit lending and other banking practices, you can visit Americans for Fairness in Lending web site: http://www.affil.org

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