An open letter to my Credit Card
It’s not you, it’s me…..
I remember when we first met, I was freshly 18, just started out in a full-time job. I was slowly learning how money worked when I was told; ‘You should apply for a credit card, it will boost your credit rating’. So I took an application form sent it away and a week or two later you arrived in my mail box.
That was the beginning of an amazing 16 year relationship. You have almost always been there for me! (except for the month you spent in the freezer, and if I’m honest, that was a lot harder for me than it was you.)
So many fond memories and times when you were able to get me out of a sticky situation. I remember the time my Car registration was due the same day as an unexpected Vet bill, Or the time I went for a weekend away and had to use an imprint of you just to check in.
You were always there, through the expensive lunches I couldn’t afford, the nights out when I was in desperate need of a Pizza or Kebab and the girls shopping trips when I had no idea how to pay for the handbag, to match the dress I just brought…. there you were, ready and waiting to help, even if it meant stretching your limit just a little bit.
You weren’t just there for me, you came with offers every month. Offers to redeem points, frequent flyers even offers to increase my limit. You’ve always been so giving and I was always happy to take…. until now.
I’ve been spending a little more time of late with my Debit MasterCard and it’s helped me to see that our relationship may not be the healthiest. It’s nothing against you, you’re amazing, maybe even too flexible. The issue is me, and how I use you, the constant paying large chucks off, only to use you to your limit again. The Over the limit charges and interest I am paying. It’s no way to live and it wont help me long term.
I’m not saying this is goodbye forever. Maybe one day out paths will cross again and I will be ready to take advantage of your ‘up to 55 days interest free’ benefits to help reduce my home loan, who knows? But for now I think it will be best if we go our separate ways, cut all ties to allow me to spend more time with my Debit MasterCard and see where that relationship can take me.
I know this wont be easy, I know I will look for you in my wallet for the first few weeks, and I’ll even have some doubts in my moments of weakness. But I also know I need to start planning for the future and saving a nest egg and unfortunately I can’t do that with you around.
Thank you for the amazing 16 years we’ve had together, I hope one day in the future I will be finically mature enough to rekindle our relationship…. until then, goodbye my good friend. I already miss you!
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