My philosophy is to charge everything over $10. The bill is paid off every month and the miles for free trips add up. Flying back and forth to Maui twice a year is my benefit!
Apparently, I am merely an "authorized user" not a co-applicant. Because I was a full time homemaker, whenever I opened an account, Ralph had the income. Who knew his death would diminish my finances? I am the one who set up the online account, banished paper statements and paid the bill in full each month. I am the one who made any phone calls and changed the address from Oregon to Hawaii and back. It is MY email to which they correspond.
It started last week when I got an email saying the account ending in XXXX will no longer be allowed to pay e-bills. Well, no biggie ... this was the old account that was closed (several years ago!) when I misplaced my card. I figured they were finally cleaning up their accounting.
I suppose the other cards will eventually do the same. Thankfully, I recently applied (and was approved) for a BofA ALASKA AIR VISA, in my own name, which was approved and I have a very small limit. So far, I'm paying it off twice a month just to be able to use it as much as I want to. I currently have no income which makes creditors a bit leery to give me a charge card!!
After I finally hung up, I had a little cry. Beyond awkward, I'm angry! Braeden looked up at me and said "JB Gramma, you missing Poppa?". Yep. I sure am.
P.S. In the day's mail was a notice saying this VISA account is being sold to Barclay's Bank!!! And another mailing containing two credit cards, with a limit of $35,000. From Bank of America!!!