I have really bad credit and have never been able to get approved for a credit card. I didn’t have the opportunity, but what I wanted so desperately from home channels, infomercials, or online. You can buy yours for a fraction of the price at retail stores. I guess it’s a blessing in disguise that I don’t have a credit card because I have a bit of an addiction to shopping.
I filed my taxes last year in H& R Blocked as I usually do and was overwhelmed by the new option my preparer presented to me. Now they have a payment system that puts tax returns money into an actual MasterCard that you can use almost immediately. This little green beauty could be used as a real credit card because it was a real credit card, but without all the interest and high annual fees.
I went a little crazy online the first week I received my card. I was euphoric looking for everything my shopaholic heart desired. I had $4,000 and the power of MasterCard and it would hurt anyone who stood between me and my internet. After spending $500 in a little under two hours I decided to take a break.
I knew shopping was fun, but being able to do it in your pajamas and flip flops without the hassle of dealing with other customers or a salesperson trying to convince you to buy something you don’t want is just how I imagine Heaven is. It’s so much easier to get your cash back when you don’t see the physical dollar bills changing hands. I learned that this can make you do something reckless in your spending habits.
After I introduced AOL service to my new H& R Block MasterCard, really hit it off. For two months they were inseparable. There is no way to sell through online companies and individual sellers through commercial sites such as Amazon and eBay. I could also purchase products that were not available in the stores where I shop in person.
Needless to say, my file was exhausted in less than three months. It was the fastest money he had ever spent. I was very lucky that I had not been approved for all of these cards before. Thank God for blessings in disguise! I’m very impulsive when it comes to buying nothing for me, so credit cards are not for me.
This doesn’t mean that I won’t get another come tax time, though. I know what you’re thinking, but did I mention I’m such a glutton for punishment? Oh well, it was quick money, but it was the best spree of my life. I can’t wait to get this year’s W-2 form! Then I can go to Amazon.com and buy Frugal Living for Dummies.
