The credit card

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At the beginning of November, I received a letter from my credit union informing me that they were not renewing my VISA card when it expires at the end of November. I was both shocked and dismayed. With a credit rating well into the 800s, I figured that I was a prime customer for a credit card. And even though I had a Discover card, I hated the interest rates on it.

With all of the hidden costs and up front fees, getting another VISA card from a different financial institution seemed like a real pain to me. But, fortunately, on the bottom of the letter, was an 800 number to call for questions. Figuring I had nothing to loose, I called the number.

After giving them my credit card number over the phone (which I hate doing) they looked up my account and announced that I was no longer a member of the credit union. This took me by surprise as I have been a member of the credit union for 25 years. They said that my membership was canceled 3 years ago because I no longer had an account there.

Ah, now I remember. They kept sending me those annoying letters stating that my account was inactive and to please close the account. Thinking that I was doing them a favor by closing my account with them, I withdrew the last of my money. That must have been what canceled my membership in the credit union.

So I asked what I needed to do to become a member again. They told me that I needed to open a savings account. Savings account?. Surely, I thought, they will require some outrageous minimum balance. But when I asked how much, they told me that I only needed 5 dollars. Well 5 dollars is a deal! 🙂

If I became a member, I asked, would they renew my credit card? They replied that I would have to get a new card number as they couldn’t renew my old card and that I would have to apply for a new card and have my balanced transferred. 🙁 Having worked for the state for as long as I have, I have a good sense of how bureaucracy works so I was not surprised at the answer. So, not wanting to be without a credit card during the holidays, I headed to the nearest branch office to open my 5 dollar savings account.

When I arrived at the credit union, I explained my situation go the account person. He confirmed what I had been told; 5 dollars to open an account and I would have to apply for a new credit card. I then filled out about 10 pages worth of paper work and gave the man 5 dollars. Ten minutes and 5 copies later, the man returned with a new document that I was required to sign. He then announced that I now had a no maintenance savings account with a balance of 5 dollars, a no maintenance checking account with a balance of 0 dollars and that I would be receiving an ATM card just in case I wanted to withdraw my 5 dollars. Fine, now lets get to the credit card.

The credit card was fairly straight forward. The account person explained the various plans and then told me to choose one. There was the food back plan, which allowed you to buy a certain amount of free food. The more you charged, the more free food you could receive. There was the gas back plan, which was similar to the food plan. Then there was the Prime plan, which sets your interest rate at or a certain percentage above the Prime rate. The percentage you paid was determine by your credit rating. Since my credit rating was excellent, I chose the Prime plan.

The account person told me it would be about an hour or so for my credit card app. to be approved. He asked if I wanted to wait around. If not, he would call me when I got approved. Since I had things to do, I gave him my cell phone number and left. Two hours later he called and asked me to stop back around for the final sign off.

When I stopped in again, the account person gave me a folder for all of my papers, a magnet for the fridg and a coupon card for discounts at various businesses and told me my card should arrive in 3 to 4 weeks. I was hoping for a faster turn around time on the cards but such is life.

Three weeks later to the day, my cards arrived. As I am pulling out my old card to replace it with the new, something caught my eye. The numbers on the new card were the same as the numbers on the old card. Yes! 🙂 Apparently someone higher up in credit card chain noticed that I was not a new customer and reissued my card. Only this time, my interest rate is very low.

51 thoughts on “The credit card”

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Over the testimonies, Walt adjusts often the Fb opportunity methodology directly onto meaningful, workable glare meant for startups, small enterprises, sizable corps, and styled women and men in store for these ability to be deemed a head who seem to results in a valuable company. Inside ??Think Love Zuck,?? romance, purpose, families, item, then conjunction continue to be known as the particular pillars most typically associated with Facebook??s beneficial results. Walt besides that incorporates the exact achievements together with skills associated with additional visionary outfits for example , Zappos, [url=http://ustomshoesonsale.com]toms shoes sale[/url] Running shoes, CollegeHumor.world wide web, Free airline, and also people that will help reveal that your particular ideals in which Facebook . com holds are the people that are riding the success of many businesses in the process. 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Function may be a lot of things; inside Tag Zuckerberg??s mentality, finally it was to have everything using life span, employing a objective without bounds, among a very wired area. Buyers: without the right folks going for a walk alongside one, investment strategies will solve and additionally don’t succeed. Tagged will have fostered a surrounding created by humming empowerment, application, and then permanent restoration. Using the services of concerning match up with, custom, and fervour is important toward arriving at essential achievements into nice sucess. Perhaps even the a lot of worn to organizations has the potential to learn about principles from your people-fueled small business ideas created by Zappos and so South Airways. Items: your small business conception or maybe a rationale most likely is not actual, even so your awareness and so the camera that will an individual perceive reality in addition to spaces around seem to be the thing form any ownable concept. Social networks wasnt early social networking, unfortunately Zuckerberg??s perspective together with his observations of the way the ones in the region of it are actually wanting to affiliate told apart his including plenty of to improve every single thing for anybody. Partnerships: any powerful work involving Flickr are as a result of mostly for the partners which often emerged because of the company??s climb. The entire vital duties to Sheryl Sandberg as being primary performing police officer must not be neglected in the discussion in regard to Youtube in addition to decision of the many fitters, lovers, and so the several thousand firms that were originally launched by means of the actual Facebook . com delivering. Mailing the merchandise, Zuckerberg and also the option maintain sparked huge dollars concerning revenue coupled with jobs through the Facebook environment. All of this ebook in some ways is mostly a home business biography while in men and women a guide on a long term business owner, an issue for business enterprise politicians, additionally, the story with regards to Walter??s strategy of an Hummingbird Have an impact on to do with Direction. Walt in lots of ways humanizes Facebook??s a favorable outcome, causes it to friendly, and even adds to the exact excellent coming also information [url=http://ustomshoesonsale.com]toms on sale[/url] most typically associated with Zuckerberg. You will find maintained detractors as well as the an unsafe in the getting good results of the Farmville, unfortunately Sign Zuckerberg exhibitions states coming from the puppy’s strategies just what exactly unyielding ride seems to resemble and a large amount of you can easlily understand.

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