Okay FINE then I WON’T

The picture almost makes customer service seem cool, doesn’t it?

I was recently able to zero out all but one of my credit cards, and Lord willing and the creek don’t rise it shouldn’t be long until I’m able to whack that one as well. I was startled to see a bill show up from one of my cards a few days ago; the card actually got overpaid a bit so the last I’d looked at it they owed me money, which is always a fun thing to have happen with a credit card. Turns out they’d charged me a $59 annual fee. Now, chances are this fee has been around for all if not most of the time I’ve had this card, but during damn near 100% of that time I’ve carried a balance. It pissed me off that I suddenly owed them an annual fee on a card with no balance, so I did a brief check to make sure it wouldn’t affect my credit rating too unduly and then called to cancel the card.

(A five minute period ensues here, as we go from blustery-but-dry outside to torrential rainstorm hello tropical storm Cristobal in about ten seconds and then the power blinks out. By the time I have the computer back online and the Internet back up, the rain has stopped.)

Anyway. That was a long lead-in to a quick resolution, but: it turns out that if you’ve had a credit card for 23 years and you call them and say something along the lines of “Hey, y’all charged me this annual fee. I don’t wanna pay it. Cancel the card!” they will not only remove the fee from your card (and, to be honest, I pretty much expected this result) but they will set things so that you are never charged an annual fee again. Which, paradoxically, is kind of annoying, because I find you must pay this annual fee, unless you don’t want to to be really obnoxious as a policy.

But, hey, I guess I don’t have to cut the card up now? All told, I’d rather have the credit than not, so I went ahead and kept it.

Also, I can see blue sky outside now. Weather is weird.


5:45 PM, Tuesday June 9: 1,973,803 confirmed cases and 111,751 Americans dead.

A banner update and a finance question

This should probably be two posts because the two halves could not possibly be any less related to each other. But whatever. I’ve continued fiddling with the banners I posted yesterday and now I’m looking at this (which I posted to Patreon yesterday!):

Interesting fact: everyone who commented on the blog preferred the banner with the characters, and everyone who commented on Facebook preferred the one with the BA1 cover. This still isn’t final (I need to move the Prostetnic logo up a bit, take the capital letter out of the T in “Trilogies” and maybe change the font on the pull quote) so I’m still open for suggestions if anyone has them.


I paid off a credit card yesterday. Without getting too much more deeply into my business than is strictly necessary, I’ve spent my thirties and the first couple of years of my forties either a) managing or b) putting to bed bad financial decisions I made in my twenties. I have, in other words, more credit card debt than most people. My credit rating is on the high end of average, I think– I don’t miss payments, ever, but I have a lot of open credit and a lot of debt. I would like it to be higher, and I would like for a substantially lower amount of my paycheck to go toward paying off credit cards.

The card I paid off has been paid off before, for the record. The last time I paid it off I didn’t close it, and then I was unemployed for six months and underemployed for two years, so not cancelling it seems, in retrospect, to have been a pretty good decision, because as it turned out the available credit kinda saved me. However, it’s a Bank of America card (one of two I hold, because they bought this card from MBNA) and I kinda hate Bank of America and want to be out from underneath them. It’s *also* my longest continuous line of credit, though– I’ve had this account for over twenty years.

So: is it better for my credit to close the card, thus lowering my overall available credit (which I keep being told is hurting my credit rating) and reducing my dependency on Bank of America, or to hold onto the card with its zero balance, because it’s my longest continuous credit account (which I’m told helps my credit rating) and I can’t predict the future and who knows if I might need it again?

(I’m also not certain how much I need my credit rating to be high right now, for whatever that’s worth. We own our house and aren’t moving anytime soon and I see no reason why I might be applying for anything demanding a credit check any time in the foreseeable future. So maybe I can afford to take a hit right know? Who knows.)

I hate how opaque credit ratings are. There should be a formula I can feed this shit into and get an objective answer and I’m pretty sure even people who know what they’re talking about are gonna be mostly guessing. But if you know more than me, feel free to jump in with advice, because I don’t know shit.