NOT YESTERDAY, BUT I DID TODAY!

My health routine is coming along. As stated, I didn't do anything yesterday, but eat. I did do my routine this morning. I was determined to get back each time I miss. Sort of, get back on that ole horse! I guess you could call yesterday a funk day. I was in a funk, a fog, a funny mood. I wanted to sleep yesterday morning when Tollie left for work and I did stay in bed until almost 9:00 am. Unusual for me! When I got up, I went straight to the shower, versus the routine! I planned to do laundry, change sheets on beds, clean the B&B room, that sort of stuff, but instead found myself just sitting most of the day, or playing tetris.

At lunch, which I knew I would not miss!, Mindy called. She was leaving Austin in a couple of hours but was eating her lunch. We talked and I found after talking with her, I was even sadder. So, I came back to the computer and looked at stuff on e-bay. In the meantime, I did sort the laundry and start a few loads. I pulled the sheets off our bed. But it was much later in the day that I found myself sitting again. Oprah had an interesting story of a child in Egypt who had a parasitic head attached when she was born. Surgeons had to remove the head because she would not live. She already had six heart attacks in her young life due to the strain of supporting the two heads. It saddened me beyond belief.

So.....I came back to the computer and was paying some bills, etc. Checking on my credit card account I realized Capital One was now charging me 28.24% interest! I nearly fainted. I have had the card for over five years and never had it been above 9.9. In fact that is why I use the card because of the fixed low interest rate! So I called Capital One. In case you ever decide to call realize that you will never get an operator if you keep pushing the numbers they give you to find a customer service rep. All you have to do is just sit there and not put in any numbers and after about the second time of going through what each of the numbers reach, you get a rep.

I visited with the first rep, explaining my situation. You see, back in October when we were evacuated for Rita, I had called Capital One to let them know I would be late on my payment. I was told then that because of the hurricane, I was being put on a special program where I didn't have to make a payment until January. Great! I probably would be making some payments, but appreciated the program. I made a payment in late October and you guessed it, I got a late payment fee charge! I called them and again they put me on the program, removing the late charge. I didn't make a payment in November and again you guessed it, December's bill had a late charge. I called again, and again it was taken off. I made a payment in January, and when I was looking at my statement on line, there was a late payment fee charge again! and the interest rate of 28.24%. After explaining all this, the lady said I would need to speak to one of her supervisors. When the next person came on the phone I had to go through the whole speal again! She indicated that she could put me on a program that for two months I would have 9.9% and then it would be come variable. I told her that was unacceptable. I used that card because of the fixed rate and expected it to be at 9.9. She stated it had changed because of my "bad" payment history. This is when the fumes started to rise from my ears!

Again I explained to her the whole story, stating that I didn't make payments or made late payments because they said I could! She wanted to know if I would accept the new terms and I stated yes, but if I was not going to get 9.9 fixed again, I would pay off the card and close the account. She stated, "Oh don't do that. You have been with us for a long time and we have had a good record with you." Duh!!!! She then said she would give me to her superivor. Again, I was given another person and had to tell the story through again. She said wait a minute. After about five minutes, a young gentleman came on the phone and stated, "how can I help you?" I said, "well, for the third time, I will start at the beginning." He then began to hem haw around stating he didn't realize I had already spoken to someone else. I quickly corrected him and stated not just one but three previous people!

He had me go through the speal again and then had the audacity to tell me that he was not authorized to change anything! Duh, again! Then why was I talking with him? I told him that I would be paying off my card and closing the account. He wished I wouldn't and said all he could do was turn in a request to look at my account and I would get an answer in 7 to 10 days by mail. Thank you.

Know what I did? I paid the card off, and after it is payed via bill pay, I will cancel the card! I get offers every day for low interest, lower than 9.9 and fixed and even no interest. Why would I want to pay 28.24%? Got me!

My day went from worse to horrible. By the time Tollie got home I was ready to pack it in the for the day! I was on the verge of tears all evening. I went to Bible Study anyway and due to some other issues, I was even more on edge when I got home. I had a bowl of cereal with bananas, which was a mistake. I tasted them all night and didn't sleep well, or at least didn't feel like I slept well. I slept too hard. I woke about 3:00 to a severe headache and dry mouth, which meant I was snoring hard and workinghard at sleeping!

I feel better this morning, if you can believe that! I feel better now getting all this off my chest. So I am off to work and to a doctor's gyno appointment. Oh thrills. But I think it will be better than yesterday.

I keep remembering, Today is the yesterday you worried about tomorrow! Although I wasn't worried yesterday about tomorrow, I just wanted to get through the day! So I hope you have a great day. I am trying!