[singinjeannie]

News Flash!!! Credit Card companies are snakes, and when you play with snakes you get bit. Did you know that the CC companies check up on you regularly, and if you're late on someone else's bill, they'll raise your rate??? You don't have to be late on THEIR bill, but on anyone's bill. Send the electric bill a bit late??? Oh, Chase can raise your rate! A bit late on the Mortgage LOC, Capital One is right on your rate hike! Snakes, snakes, snakes.

Now, I've no room to talk, as I have lots of outstanding credit, but am working hard to try to find a way to get them paid off.

Also -- how dumb that FICA scores go down if you close credit cards. Makes no sense financially. If you have fewer cards, you should be a better credit risk, not a greater risk! FICA makes no sense at all.

I received a note in the mail yesterday from MBNA about our credit card and a change. It was in such legaleeze [sp] that I couldn't figure out what the heck they were going to do. I've been in good standing with MBNA also.

-I'm ranting too
Good luck -- hope you get a great rate with someone else.

Jean