You’re being a jerk.

I can call myself dumb. When someone else does it and confirms it, it fucking sucks. I’m already having a hard time convincing myself not to shoot myself in the head.

No one hates me like me. I don’t need your help.

I’m Chidi Anagonye, or maybe I’m not?

I can agree to that.

I’ve never really needed credit or credit cards? I just pay cash.

I know. That’s why I said I’m stupid. I’m beating myself up enough. I know I’m fucking stupid and don’t deserve what I have. I don’t need some internet jerk to tell me how fucking stupid I am so they can feel good about themselves. Thanks, though.

gfy

What is A+ credit?

Because I talked to my wife and decided it wasn’t that big of a deal and made rash decisions based on the fact that I was sick of dealing with it. Everyone here is so smart and never made any mistakes before, so it’s hard to explain to them why I did it.

However, I am SOMEWHAT stupid. I’ve been rather frugal and financing things and credit cards haven’t really been at the top of my priorities over the years, so I’m rather ignorant of it. I try not to spend money I don’t have.

Let me tell you why I’m so lucky. In early 2013 I bought a 1946 Bungalow at 1400 sq with no basement for $51,900 on a 15 year loan. I paid it off. Last year, my father-in-law died and left his house to his only daughter, my wife. It had an outstanding mortgage of $60,000 left on it. It’s a 2100 sq ft colonial with attached garage and basement. I sold my house for $220,000 and moved into my wife’s childhood home. We paid off the remaining loan.

I am fortunate and got lucky on the housing market. I make $68,000 a year. My wife took the year off, but is a teacher. We are NOT rich, but very lucky. I live near Detroit, where the cost of living is lower and that helps too.

I didn’t really need much help. I’m all set for the most part. I didn’t have any financing coming up in the near future, so I think I’ll be ok

It’s currently at 822

25k is my other card. I rack up monthly debt and then pay it off and earn thousands in credit card rewards

It’s at 822 now.

They said that could take years

Warning sign of what?

Costco only accepts Visa and I didn’t know until after. I’m an idiot.

You don’t know the limit until you sign up

No Financing. House is paid off I have like 200k in stocks and savings.