Exorbitant cell phone fees

Dear blog,

We had a family plan with Cigular horizon- 4 phones total. we were never behind on the monthly bills. However my 2 teenage daughters went too crazy with text messaging, etc. Our monthly payment was 180.00. Finally i said enough. Cancelled all the phones and continued the payments. Cingular slapped a 150.00 per phone early disconnection notice on us!! I am outraged and I continued with the on time payments and they put the account in collection!

I wrote to the VP at Cingular stating unfair and spurious penalties.

No response. My balance on the account is approx 390.00- making a 60.00 per mo payment.

I want to challenge this bill- even to the point of court. Anyone with a similar story?

If anyone out there is even thinking of Cingular wireless please take a second hard look at this company.

FICO – what do I need to get approved for a line raise?

I have a Barclaycard card that recently offered me a 5% balance transfer deal. I had a $0 balance on the Barclaycard card, and a $1500 limit.

I transferred $750 into it from a card that was charging 21%. I didn’t want to max it out, because I know that can hurt your rating (ratio of balance vs. total credit line). Plus the 21% card is a closed account, so my available credit on that account doesn’t mean anything toward my ratio. (?)

Anyways, my question is, if I have a FICO score of 640, is that high enough to call Barclaycard and request a line increase? If I can get my credit line up to say, $2500, I could then transfer another $1000 or so from another high interest card and still have some padding left over to make it a good ratio.

What I DON’T want to do, is request a line increase and get shot down, because I know those inquiries hurt your FICO. But I’ll risk it if there’s a good chance I can get approved for the increase.

So who out there can give me some advice on this? Should I wait a few more months until it’s over 670?

P.S. Barclaycard cardholders have access to their FICO score for free and is updated monthly. I strongly recommend anyone who is concerned about their score to try to get an account with them, instead of paying to see your score.

I’d pick door #2

I personally feel leave your savings account alone for unscheduled events (need I say “Rita”). The advantage is this method improves your credit score since savings accounts don’t factor in on ones score.

Getting a loan means you’re reshuffling your debt, so one would need to have discipline to not start new card debt while the credit union loan is being paid. I just wish Greenspan would quit raising the interest rates because practically every month’s card statement my rate jumps .25%. Very discouraging.

My dad’s is in the garage

Is it just the heat that is an issue or something else? We don’t use the garage for the cars, so it never gets very warm. We’re pretty shaded by trees. We used to keep the big one in the laundry room, but after it died (35 years old), my dad bought one that was too big to fit down the stairway. So, he just put in the garage.

There was never enough space for me to have much stuff since they buy turkies, hams, etc when they are on sale, and can fill it pretty easily. So, I got a medium one for me. I stuffed it full in the two months before the expected strike, so I was prepared to eat well without an income. And now, I just replenish when I need to. It is really nice to buy the stuff I know I will use, when it is on sale, and then it is handy when I am ready to eat it.

Reminds me, I need to get something thawing for dinner tonight. Letfovers will be frozen for work lunches. I even got the chinese cook at work to teach me how to make my favorite, broccoli beef. I used to buy it almost every day on my break ($3 for a tiny box). Now I can make it, and have a larger serving for less. I do up a huge double batch, and I can get 2 dinners for me, 2 dinners for my nephew (walking garbage disposal), and about 6 lunches for work. That works out to $2 a serving, and the dinner servings are twice the lunch servings, at least. And sometimes, I can get it cheaper with sales.