Bad Credit Cards or Valentines Day Flowers
The credit cards in our life have gone haywire – they hit us with inexplicable fees, the interest rates are going through the roof, they are cutting our spending limits, and there no rewards either. Even if you haven’t looked closely at your credit card bills these past few months, you can be sure that your credit card deal just got quite grim. If it isn’t obvious yet, this is no longer a buyer’s market. All of this may not really put you in the mood to count your blessings; but whatever raw deal your bank just handed to you, you can be sure that there are people out there with bad credit cards and contracts that make your bank look like Santa Claus. Let’s look at some of these winners.
Let’s start with subprime cards; First Premier Bank’s Centennial Gold card gives bad credit cards a bad name. They charge you nearly $30 to set up an account, they slap on nearly $100 for what they call a program fee, there is an annual fee, and you need to pay a servicing fee that’s about $100 a year too. You actually owe more in all these startups fees than the average credit limit the first month. All this changes with the new credit card law though, starting February. They won’t be able to charge you fees higher than 25% of your credit limit.
Some grumble that Valentine’s Day is nothing more than a holiday invented to get people to spend money on greeting cards, dinners out on the town, and Valentine’s Day flowers. There may be some truth to this, but most people expect that they will do something with the one that they love on this day that comes mid-February every year. Many of the things that couples do are traditional, but not all. However, no matter how much someone grumbles, flowers and candy usually go over very well as they are a great way to remind someone that you have been thinking about them.
Valentine’s Day flowers can be anything that anyone wants to buy. Roses are traditional in many senses, and are certainly beautiful. They are not the only choice. Some get the same roses in the same color each year, and the person receiving them sees this as a reminder that love remains strong. Some like to mix it up and get different colored roses each year, and that is okay too. In fact, just one red rose seems to be one of the best ways for new and older couples to remind the other that they love them and look forward to another year together.
Tags: Bad Credit Cards, Valentines Day Flowers
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