Well my husband and I got in a little arguement about money today. Our credit card debt is at about $6000 (you don't want to ask...) and that drives him crazy since neither of us have ever had that much on credit cards before and it just seems to keep going higher.

I'm not as worried about it as him because we have money in the bank and our net worth is positive...around $18,000. I would rather have $12,000 saved for a down payment on a home w/ $6,000 in credit card debt, rather than only $6,000 saved for a home downpayment and no credit card debt. Does anyone agree w/ me on this?

Well after talking to several customer service reps they said that my apr rate would stay at the original rate, 7.99%. But to be honest I don't believe them. According to the letter they sent in the mail I could deny the charges but the account would be closed to new charges, and if new charges appeared those would be at 17.5%. Confusing, huh? So I didn't quite get it clarified whether the 7.99% was just until I charged something else, or what. So now I'm scared to use the card...which is probably good!!

Our credit credit debt has skyrocketed to $5,513.89... over $1,000 more than last month and more than we've ever had in credit card debt our whole short lives.

On a side note, we recieved a notice in the mail yesterday from our credit card company stating that our fabuously low apr of 7.99% would now be 17.5%...

Yikes! So I called and was told it was because they had checked my credit report and found that there were "too many accounts not being paid as agreed" I proceeded to tell the customer service rep that I have never made a late payment in my life and then immediatly wondered if there was some sort of fraud so got off the phone and checked.

My credit was great, same as ussual and my credit score "exellent"...then I got MAD. About a year ago I added my husband onto my card as a joint cardholder, his credit has been less than perfect in the past (2 cards that he missed 2 payments on approximatly 1 year ago) but I was assured when changing to the joint account that my apr wouldn't change based on adding him, and they said they would have to pull his credit report and check before they would add him. It's still not resolved, I need to call back later on when the office is open....grrrr