Emailed Lo yesterday all about the conversation I had with one of my credit card companies

To: Lo@workbecauseweallhavetoworktomakeit.com
From: me@whyohwhydidIbuysomuchcrapatTarget.com
RE: Still sitting on my pile of money, couting my gold coins, enjoying me vast amount of wealth, refuse to pay credit card people though because I'm EVIL, EVIL like that.

Credit card called work today... that's when it starts, it's the freaking phone calls that get you... like you DON'T KNOW, like you have the money sitting around and you just aren't giving it to them... and it's SO embarassing because it's not like I have a ton of privacy or what not... don't know why I took the call, but they asked for an explanation "you are usually so on time with your payments" and I said:

"I moved, I just got a new job, we're aware of the status but we're behind."

"May I suggest scheduling a payment for this friday as to avoid any more late charges?"

"I would, but I can't. I would have paid it weeks ago, but I couldn't. I don't get paid until the 4th, that's when I can pay it."

"Well we need payment on this friday in order to avoid 80 dollars in late fees. So, may I make a suggestion that you borrow the money from your friends and then pay them back?"

"Lady," I said "If I could have borrowed the money with out issue from someone I would have done that in the first place. We already borrowed money to cover the car payment..."

"I didn't mean to offend you."

"You didn't, I'm sorry. It's just that this whole moving thing was my idea, and my husband warned me that he would have less work and we would have less money and basically said he didn't think it was going to work out. And now this is coming up. And if I pay you guys I'll be short covering the rent and if I pay the rent, then we have NO money to pay anyone else. We're just behind a month, you know. I feel like you should get one free month to use as you need to, once a year, one free month, or something. Or say you move, you get a free month because you have to set up in the new place... and it was my idea to move."

"So you won't be making a payment this friday."

"I will not."

"But you will make one on the 4th of next month."

"I could. I guess. Sure."

"I will put you down and it will go through on the 4th."

"And I'll just figure out rent then."

"You cannot borrow the money from your husband?"

"No, because he's not getting as much work here and... this was my idea."

"I see. Well I will put you down and then this will not affect your credit report or score at all. We will also stop calling you."

"Thank god, sorry. I didn't mean."

"I understand, and after you payment you will be all caught up."

"Thank you."

"Thank you. and by the way, congratulations on the move and the new job."

"Yeah, thanks."

I promptly hung up the phone and to keep from losing it went down stairs and bought a quesadilla, a piece of cake, a pepsi, and a 3 musketeers. Oprah would tell me to reevaluate my feelings before I go and comfort eat my way into a coma... but Oprah has a billion dollars, so she can suck it.

To: me@girlwhyyougottabelateonpaymentsthatsucks.com
From: Lo@youknoweverythingisgoingtobeokayifyoujustbreathe.com
RE: Enjoy your Pepsi, you deserve it.

Credit card people are funny. They act like they desperately need the money. That’s actually quite hilarious to me that they’d go to those lengths of suggesting that you borrow the money from someone else…not surprising, but funny. Pushy, if I do say so. But at least they try to work with you rather than putting a ding on your credit…I guess that’s something.