Hey, I just logged into my Discover account hoping to find something printable for my consult with the attorney this afternoon.
Turns out, for the first time in a long time (did I fall asleep at the wheel or what??) I have available credit--just over $200. I was also a little bit off when I claimed that I haven't used any ccs in over a year (told you I was a superstar at denial!!) Looks like, over the past 24 months (using their handy dandy spending analyzer) I mostly laid off of it during the winter months of 07 and 08--I think it was maxed at that time...then after I applied a tax refund to it, used the heck out of it again...anyway, it was all over the place as far as the type of expenditure, too--the month with $2000 had my surgeon's bill and fun stuff--hotel and such--from a weekend trip my son and I took for a concert--several grocery trips...
Jun-07 0
Jul-07 0
Aug-07 260
Sep-07 250
Oct-07 500
Nov-07 20
Dec-07 0
Jan-08 0
Feb-08 0
Mar-08 20
Apr-08 100
May-08 500
Jun-08 350
Jul-08 2000
Aug-08 600
Sep-08 500
Oct-08 500
Nov-08 200
Dec-08 50
Jan-09 50
Feb-09 0
Mar-09 0
Apr-09 0
May-09 0
Jun-09 0
Jul-09 ??
So my usage was all over the map and I haven't even talked to a lawyer yet--could I put, say, $124 in school fees from last year on there and avoid any scrutiny? If I file in the next 90 (oh please, oh please!!) it's nowhere near $500 nor "luxury", but will the 5 months with no purchases preceding make it look like fraud? I don't have the cash for fees...he's going back to school in < 4wks and, if not, I will have to pay it (1/2 of last year's) plus this year's before they'll let him get his schedule --$372!!!
What about something smaller? School supplies from Staples? Socks and undies from Target? They know I'm broke--Discovercard and I have had a relationship a while--it would come as no surprise to anyone that, having avoided using it for a while (I thought it was still more or less maxed out--I doubt I would have had the restraint until very lately!), I would be totally overcome with the temptation to pick it up again?
This is so weird, I'm ordinarily a very moral and ethical person --I'm usually 3-5 minutes late to work in the morning, so I always work 5 - 15 minutes extra every, single, day to avoid the feeling that I'm ripping off my employer! If the grocery store undercharges me, by any amount, if I catch it, I will tell them!! But this past week has changed me-- I know too much about the actual cost of using credit, in terms of families and lives, and I am so damned mad about it! I just want to get anything I can get--no matter how large or small or how gray the area, in terms of the law--they've gotten every blessed thing from me, including my health and sanity and the peace and security of my family--Anything that I can do to even the score the tiniest bit, that will not adversely affect ME or MINE, I have no qualms about!!
Thoughts?
Just leave it and continue to do the "right" thing and have no worries whatsoever about the appearance of impropriety? Or handle my business in a typical, usual way and let the chips fall as they may?
Turns out, for the first time in a long time (did I fall asleep at the wheel or what??) I have available credit--just over $200. I was also a little bit off when I claimed that I haven't used any ccs in over a year (told you I was a superstar at denial!!) Looks like, over the past 24 months (using their handy dandy spending analyzer) I mostly laid off of it during the winter months of 07 and 08--I think it was maxed at that time...then after I applied a tax refund to it, used the heck out of it again...anyway, it was all over the place as far as the type of expenditure, too--the month with $2000 had my surgeon's bill and fun stuff--hotel and such--from a weekend trip my son and I took for a concert--several grocery trips...
Jun-07 0
Jul-07 0
Aug-07 260
Sep-07 250
Oct-07 500
Nov-07 20
Dec-07 0
Jan-08 0
Feb-08 0
Mar-08 20
Apr-08 100
May-08 500
Jun-08 350
Jul-08 2000
Aug-08 600
Sep-08 500
Oct-08 500
Nov-08 200
Dec-08 50
Jan-09 50
Feb-09 0
Mar-09 0
Apr-09 0
May-09 0
Jun-09 0
Jul-09 ??
So my usage was all over the map and I haven't even talked to a lawyer yet--could I put, say, $124 in school fees from last year on there and avoid any scrutiny? If I file in the next 90 (oh please, oh please!!) it's nowhere near $500 nor "luxury", but will the 5 months with no purchases preceding make it look like fraud? I don't have the cash for fees...he's going back to school in < 4wks and, if not, I will have to pay it (1/2 of last year's) plus this year's before they'll let him get his schedule --$372!!!
What about something smaller? School supplies from Staples? Socks and undies from Target? They know I'm broke--Discovercard and I have had a relationship a while--it would come as no surprise to anyone that, having avoided using it for a while (I thought it was still more or less maxed out--I doubt I would have had the restraint until very lately!), I would be totally overcome with the temptation to pick it up again?
This is so weird, I'm ordinarily a very moral and ethical person --I'm usually 3-5 minutes late to work in the morning, so I always work 5 - 15 minutes extra every, single, day to avoid the feeling that I'm ripping off my employer! If the grocery store undercharges me, by any amount, if I catch it, I will tell them!! But this past week has changed me-- I know too much about the actual cost of using credit, in terms of families and lives, and I am so damned mad about it! I just want to get anything I can get--no matter how large or small or how gray the area, in terms of the law--they've gotten every blessed thing from me, including my health and sanity and the peace and security of my family--Anything that I can do to even the score the tiniest bit, that will not adversely affect ME or MINE, I have no qualms about!!
Thoughts?
Just leave it and continue to do the "right" thing and have no worries whatsoever about the appearance of impropriety? Or handle my business in a typical, usual way and let the chips fall as they may?
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