I mentioned freezing my credit card in my last update. Well, it had gotten to be bad–there was that time in February where things got out of whack, what with the huge taxes I owed, and moving, and the trip to the Gulf Coast…
Because I had wiped out my emergency fund/savings account to pay for the taxes while still paying off as much debt as I could, I found myself “temporarily” charging things on my credit card. After I had worked so hard to pay off that $13k in credit card debt over a year ago.
Well, it got bad. Pretty bad. At first I was charging things in New Orleans like one of the hotel rooms, some restaurants. Then it became groceries here and there, running shoes. Several running race entries. Before I knew it, I made an almost $700 payment on the card early this month…and after it went through, I still had another $700 balance on it! WTF?!
I charged another hotel room on Priceline a couple weekends ago and had such an appalling experience–the front desk guy swore there was no reservation and they were booked so we ended up trekking to Mr. Bacon’s dad’s house. Lo and behold, two days later I get an email from Priceline saying we never showed up and would be charged the $73 for the price of the room as the cancellation fee. Excuse me?! After calling both Priceline and then my credit card company, Capital One suggested freezing the card indefinitely as I hadn’t been charged yet.
Priceline later got back to me saying we wouldn’t get charged, and in the meantime, I have no intention to unfreeze the credit card. It gets me in trouble and I shouldn’t use it as an emergency fund.
So that’s the scoop. I’ll pay off he rest of it as soon as I get paid this Friday and will get refocused on the student loans again. I’ve learned my lesson now!!