What a frustrating day in banking!

 Because I like to break my own heart, I thought hey, why wait, why not just apply for the Fidelity card now and maybe you'll have some credit history to help with the Chase card application in May. Fail! 

I was not instantly approved. My application is under Review. After talking to 2 different CSRs, I wanted to cry with frustration.

Luckily, I hopped on reddit and commiserated virtually with some posted comments. CSRs suck and they make minimum wage. Being the petty person that I am, that made me happy. 

I think I'm just frustrated with this whole credit report/score scheme. But you can't fight a bot. That should be my motto.

Oh well!

After clicking around, I realized I can "rebuild" my credit history with a secured card. And there's even 1 with an annual fee that won't be a hard hit. Yay. I underestimated the impact of those hard inquiries. I guess for someone with no credit (so says my report with my new name), it plays a bigger role. Hopefully, I'll get over this nonsense. I'm not sure it's worthwhile to get into it with Fidelity after the denial, but we'll see how I feel.

At least I know there are options- there was a nerdwallet post that pointed me to about 5 unsecured cards. And it seems like Capital One will pre-approve me for a couple cards. But with no 0% interest, I'm not sure what I'm doing. I might have to step away from all this for a bit and regroup on what I'm trying to accomplish.

This was the year where everything was supposed to go my way. I don't really want to come up with contingency plans.

But to top it all off, after yesterday's debacle with Bank 1's CC getting declined for no reason...

Today I tried to place my Walmart order and Bank 2's DC was declined. So tried a second card- declined. I can only reason that since they're sending me updated cards with my new name that they have de-activated my old cards. I'm not even calling or sending a secure message. I've had enough frustrations for 1 day dealing with humans. So since I unfroze my one and only CC, I'm just going with that. I don't like using CC for my daily purchases because I hate the feeling of paying back a creditor. 

Although some like holding onto their coins until the last minute, once I spend something I want that money immediately out of my account. So I'm kind of all over the place with my financial emotions. This was not the disruption I needed right now. 

And I'm so tired of 2factor authentications. So many clicks!

I'm not sure why my finances aren't working right when I finally thought I had everything down to a smooth operating machine but alas. You can't argue with a bot!

So for tomorrow's big errand day, I'm just carrying around the CC because at this point that's the only money I have access to. So if it's not accepted some place, I'm stuck in no-money jail until my new debit cards come.

Can we still blame things on COVID or just the humans? My gosh!

If this is the way this year is starting - 27 days of sickness, credit cards icing me out, my own banks denying me access to my money; I'm not particularly hopeful for the rest of the year.  (Luckily, I've been living without hope for awhile now. And you thought depression wasn't going to serve me well! Joke's on you!)