I just feel really good I paid off my rip-off Providian card yesterday and closed the account. They were charging me 28.9% interest!!!It was 18% but they raised it on me 6 months ago and I never really knew why becuase I was making my payments on time.
The funny thing is, the girl closed my account in seconds, literally. Yet conveniently "forgot" that I said I wanted to pay the balance in full. It was like she was trying to get me off the phone so I could continue to make payments at that loan-sharking interest rate.And then, because my payment was due yesterday, she wanted to charge me an additional 14.95 phone payment fee. Refused to waive the fee for me (as has been done in the past when I requested) and then DID hang up on me when I asked to speak to her supervisor!
Called back, spoke to a nice gentleman who DID waive the fee and took my $500.
Now I just need to work on paring down the other ones. Those interest rates aren't nearly as bad though.
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It was 18% but they raised it on me 6 months ago and I never really knew why becuase I was making my payments on time.
And then, because my payment was due yesterday, she wanted to charge me an additional 14.95 phone payment fee. Refused to waive the fee for me (as has been done in the past when I requested) and then DID hang up on me when I asked to speak to her supervisor! 
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