You Stop To Wonder But You Never Know

How did I screw up my life so thoroughly?

Definitely hitting a slight bump on the NFG Tour.

It's funny how one thing tips over and causes an avalanche and you realize you are in Deep Shit. When stuff like this happens it makes me believe that shit was fucked up before and I was just too stupid to notice.

So yesterday I received a letter from my bank, with whom I have two credit cards.

In this letter, dated March 4th, they informed me that my credit had been reassessed and due to this my APR would now be 17.99%, effective May.

Please note: I received this letter August 11th. There was a small note attached saying they had tried to mail it before but the item was returned.

I moved into my new place on April 1st, with forwarding service left at my old place (all 5 miles away). I got the addresses changed on all my accounts over the next 2 months.

So, I go check my account, bewildered and still figuring everything out. My "amount due" came in at about 1.5 times the normal amount. There are suddenly these "payment counseling" options next to my accounts.

I can't even express how fucked up this is without descending into a Black Rage.

So, they reveiwed my history, which would show that I've been unemployed for quite sometime, but have never missed payments and usually pay Over the amount due. Sooooooo.... the logical thing is to assess a person's state, and if they are in financial distress then charge them more???!!

I've seen this before. It happened to my parents, twice. People who don't pay are written off and people who pay are hounded and penalized. This is what happened with the Houston oil market crash and to a lesser severity but wider area during the recent housing bubble.

I don't even want to get into how the bank failed to contact me about this thing that I'm legally supposed to have the choice of rejecting (cancelling the cards and paying off the debt at the original rate).

I keep opening up to the Universe and trying to foster positivity, and the Universe responds in pretty much the same way these days.

Whatever. The world continues to piss on my dreams and hopes. It's not even newsworthy. Will update when I replace my self pity with no F's being G'd.