I signed up for a checking account that was supposed to pay me interest through a credit union in 2007. They also gave me a new credit card with an introductory 0% rate, and we set up a balance transfer.
However, I never received the card, and I needed to activate it to transfer the balance, although I magically cloned my debt, suddenly having $6,000 on two old cards and the same amount on some theoretical card I never saw or used.
I was not able to make the payments in time, so I was hit with late and then over-limit fees.
I could not transfer balances until I paid off those.
With all of that, I lost the special checking account, and ended up with a normal one.
I always wonder how much that cost me.
Whenever i had a little extra money, I made an additional credit card payment. People insisted "You need to listen to me! You need to start saving!"
I tried to explain that I was paying 20 - 30%, while my savings account paid one percent or less, but they just got louder.
People also insisted I needed to pay off my smallest debt first. I said I was paying the one with the highest interest, and they responded "You need to listen to me!"
I am tired of people saying that without listening to me.
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