Are you kidding me right now?
I’ve actually been getting pre-approved credit card notices in snail mail for a few months and I have ignored them thinking they must be a mistake or just a marketing glitch and oh by the way… No Way Do I Want A Credit Card… um, Hello!
The last time I got one, for a reason I will explain, I put it in my notebook. I forgot about it until yesterday. I found it and thought, Meh, what the heck.
I went online and applied and within about one second, before I even had the chance to read the fine print I was approved. Really?
Eight months into a Bankruptcy and I am the proud owner of a credit card. !?!
Now, let me explain why I even considered it. I have been reading how hard it is to rent a car with a debit card. Yes, you can reserve one, but most Car Rental Agencies will decline it when you go to pick up the car. I think it has to do with insurance or whatever, but they run a credit check also, did you know that?
So I thought, wow, in case there is a miracle and I can ever afford to travel, I wish I had a card!
What is so funny is I have NO idea what the interest rate is AND I have no idea if I agreed to an annual fee or not! I swear, it was basically done in one click!
If you are wondering, I am allowed $500.00 credit per my bankruptcy documentation. I got approved for a whopping:
I think I will use it occasionally to help build back up my score and if I ever make it to:
Maui, I will be all set. As if I am gonna even want a car! As if I am ever gonna be able to afford a trip to Maui!
Is this crazy or what?