One of the credit card companies has increased interest on all their cards...by 7%!!...do I need to tell you what this does to my payment schedule??...I had things worked out so I would be rid of them by March '08....now make that June '08!!...VAMPIRES!!...

On the plus side, I went to the credit bureau day before yesterday and, while my credit rating isn't perfect (as it used to be) it is not as bad as I thought it would be....plus, there's record only of 3 of my credit cards...all others are non-existent in their registry....So, it's official, I'm asking for a loan to consolidate debts in December...(specially with this cc interest hike, it DOES make sense!!...the most I'll pay in interest for a loan will be 14%...the lowest credit card, with this new hike, is at 27%!) - can anybody lend me a wooden stake and some garlic??