Manic Monday #1

Well, the day started off true to Monday. Woke up late, rushed kids to school, got to meeting screeching in at the last minute, worked on "stuff" all day without feeling like I got anything done & now it's over.

Do you ever wonder why Monday's are the way they are? I mean COME ON! Coming off a nice weekend and getting started all over is just not fair sometimes.

The Bangles tune keeps going through my mind.
It's just another manic Monday
I wish it was Sunday
'Cause that's my funday
My I don't have to runday
It's just another manic Monday

So, my biggie for today is this. I got a credit card from Advanta for my business 6 months ago. I got it to consolidate debt since they were offering 0% interest for 15 months and 7.99% apr thereafter. What a good deal right? WRONG! I got my statement in the mail and looked at my apr, well low and behold it says it's 32.18%!!! Can you believe that! What the heck! I dig out all my paperwork for it and make the call. Wait 25 minutes on hold only to be greeted by someone I can barely hear and understand. Then as I proceed to voice my concern over the rate increase, this guy doesn't even made a sound. I repeatedly had to ask if he was there. "HELLO..." So he says they sent a letter back in October. Nope, I never got that letter. So he says they are resending it. I'm mad. I call Attorney General Consumer Complaint line. She says "you must have signed something." I applied online.... Says the Feds are going to be looking into this because it happens alot. So I get out the fine print and guess what? It says they have the right to raise the rates for whatever reason they see fit, whenever they want! They can change it from fixed to variable for whatever reason and whenever they want! This is legal criminal activity! OMG! How in the hell did I ever miss seeing that on the offer letter. Crap!

So I guess my lesson for this manic Monday is to slow down....read the fine print 2x....and remember the BBB saying "if it's too good to be true it probably is." BEWARE OF ADVANTA!