Born, like other comic book characters, out of an otherwise trivial but life-changing animal bite, the Rabid Librarian seeks out strange, useless facts, raves about real and perceived injustices, and seeks to meet her greatest challenge of all--her own life.
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Showing posts with label Credit Cards. Show all posts
Showing posts with label Credit Cards. Show all posts
Tuesday, January 24, 2023
Wednesday, June 20, 2012
Hell has frozen over
For the first time in years, I have a credit card, thanks to Capital One, the folks whose commercials feature barbarians asking, 'What's in your wallet?' The credit limit is small, but will increase if I make a purchase within 5 months and make five consecutive payments. And no, I did not rush right out there and buy something, although I did link my Roku player to it to avoid any unfortunate issues with my debit card. I'll likely do the same with the Science Fiction Book Club, which no longer forces me to deny or accept featured selections, but still. This also means that when I go on my Chicago trip, I can use it for the incidentals at the hotel and not have $40 held out of my chequing account. Little things like that make my life easier.
The plan is to get something in about the $30 range (I need a shower curtain liner and a couple of things for the house, so probably it will be that.) Then I'll pay off my bill in full. Then I an continue to charge small chunks I can pay off easily so that I get the increase in credit. The limit is such that I could pay the whole thing off on a good month, if need be. But I want to keep as much credit open for such things as the Chicago trip, whenever that happens this fall. There's no annual fee or anything like that, purchases are protected, although the annual percentage rate is fairly high, so this is not something I want to carry much of a balance on.
Capital One lets you choose what your design will be for the card. Mine is green with a lady bug on it, strange I suppose, considering the barbarian motif. I thought the envelope a little heavy for a rejection, but they've been sending me quite a few offers and I thought it might just be one of those. I stared at the card for a good fifteen minutes before activating it. :)
I've been stupid in the past with credit cards, but I've been watching how YKWIA handles his credit and I hope to follow his example, using it responsibly and paying off most or all of it before it becomes a liability. We'll see.
The plan is to get something in about the $30 range (I need a shower curtain liner and a couple of things for the house, so probably it will be that.) Then I'll pay off my bill in full. Then I an continue to charge small chunks I can pay off easily so that I get the increase in credit. The limit is such that I could pay the whole thing off on a good month, if need be. But I want to keep as much credit open for such things as the Chicago trip, whenever that happens this fall. There's no annual fee or anything like that, purchases are protected, although the annual percentage rate is fairly high, so this is not something I want to carry much of a balance on.
Capital One lets you choose what your design will be for the card. Mine is green with a lady bug on it, strange I suppose, considering the barbarian motif. I thought the envelope a little heavy for a rejection, but they've been sending me quite a few offers and I thought it might just be one of those. I stared at the card for a good fifteen minutes before activating it. :)
I've been stupid in the past with credit cards, but I've been watching how YKWIA handles his credit and I hope to follow his example, using it responsibly and paying off most or all of it before it becomes a liability. We'll see.
Monday, January 11, 2010
Shakes head in disbelief
Some guy is taking information from a credit card over the phone a couple seats away from me and is repeating every bit of it out loud for anyone to steal. I can't tell if he's ordering something for someone or if he's actually asking someone as a business thing. I think the latter, as he didn't know the person's e-mail and it appears to be a business credit card. I can't believe someone would do this.
Wait. I can. There are a lot of stupid people in the world. But the sad thing is that the man/woman on the other line has no idea he's doing this in a public library, I suspect. Agh.
PS He just ended the call and apparently it's some family member helping him out with school. I only hope no one else took down that information. Gee.
Wait. I can. There are a lot of stupid people in the world. But the sad thing is that the man/woman on the other line has no idea he's doing this in a public library, I suspect. Agh.
PS He just ended the call and apparently it's some family member helping him out with school. I only hope no one else took down that information. Gee.
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