Digital Dave

Called up my card company and dropped my rate from 12.9% to 3.98% until August (10.9% after).  That’ll be helpful considering how much money I don’t have to move to California.  I’ve acquired a pretty nice amount of credit due to my superior payment skills.

Speaking of rates. You should call your company. Go for it. What are they going to say? “Nope, can’t do it for you at this time. Sorry.”  You’ll at least get a sorry!

I don’t use this thing a lot. I mainly used it while I was in the Corps, and during school for minor things.  I hate debt, but in this world, you need to have the ability to borrow to survive.   Unless you happen to be born into a family of wealth, which I am not.