Wednesday, August 16, 2006
Today my credit card was denied for the first time in my life.
I didn't get a credit card until just before I was married. I've always been pretty responsible with money, and I'm not a big spender, so it wasn't that I was worried about credit card debt. I had a debit card, and it seemed like that was all I needed. This became a bit of a problem when Col and I met with our mortgage broker to buy a house. I didn't have bad credit, I had no credit. They wanted 3 lines of credit going back 3 years, and I didn't even have one.
Now I have several credit cards. My very first Visa that I don't use anymore, one that builds miles ("What's in your wallet?!"), one that we have to have because it's the only one Costco accepts and a couple of others. We're talking about an unnecessarily fat wallet if we add to these the debit cards I no longer use because we only use the Capital One, hoping that in about 10 years we'll earn a one-way flight.
And with all these credit cards, and all this great credit building up I've never had a credit card rejected. Until today.
Col, before you get any more anxious and possibly have an accident, know that it was a business card. This won't be the last time it's ever maxed out.