I just got a "refinance" offer in the mail. These turds knew the total of my mortgages, the remaining balance of my car loan, and my credit cards.
I'm going to find out who ran my credit without my permission.
I have a ton of credit card debt, but it's "good debt." Business equipment and the like. I've been switching it from one 0% interest card to another for three years now. I could pay it if necessary, but since it's zero, I just pay it at a convenient pace.
I make sure I'm not late on payments anywhere, though. I highly recommend on-line payments so your check doesn't get "lost in the mail" like Bank One, which is now Chase, did to me once. They were really rude about THEIR mistake, too.
One other cautionary note: You can reverse a CC payment for phone and internet orders. You can NOT do that with debit cards.
So be careful who you're dealing with in regard to the debits.
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"The problem with socialism is that you eventually run out of other people's money."
Margaret Thatcher
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