i missed a credit card payment!

 ack... charles had me running this credit card plan to have "regular use" on my card. i was done with the plan and thought the last payment was on auto-pay. it wasn't! 

they sent me an email which gave me pause, but i thought surely... it's on autopay. and each bank does their auto-pay emails differently so i couldn't know for sure! 

ack! 

luckily it was only a $5 fee and fortunately i caught it! sheesh. would have been nice if they sent me a late notification though. hmmm

anyway, this is why i can't be using credit cards for regular every day life. 

this feels like sunday school class and church...only to say like everything else... you need to be reminded weekly! 

so i got all excited for responsibly using my credit card the last few months to get "usage"... and so i thought i'd do it for the rest of the year, but nope! sorry, points. i treasure my sanity and financial mental stability over more points. and get the bonus and put in the drawer is my plan. tried and true. if i need to manufacture usage in 2027... i will cross that bridge.

but yeah, after spending all that time adding my new card to my frequent apps, i'm happy to not be using it. 

i'm going to be mad though if i go to use blacklane and forget to use the right card for it... womp, womp.

so yeah, what changes? 

back to meeting the sign up bonus as quickly as possible and putting the card back in the drawer. 

i am planning to use my new card for a travel card though. and apparently i learned if traveling out of the country, take a backup card in case once gets locked for fraud. good tip. that's just the name of the game these days. have a backup plan.

i try not to have too many contingency plans. but criminals have forced my hand. 

so once card #2 comes, i i will meet that spend with rent. 

and then get to working on the other. 

back to my boring old debit card life.