Numbers Keep Going Up

As everyone is painfully aware, the cost of everything keeps going up.  And one day I wondered about credit card rewards.  We still get the same percentage in rewards, but we’re spending more, so we’re getting more rewards.  But I guess it’s a wash because everything still costs more.  Unfortunately, the cost of rewards has also gone up.  I used to be able to get a $200 gift card for 20,000 points.  Now it costs 25,000 points.  That sucks.  but anyway, I’m sure I’ll get there quicker with the way everything is going.

So anyway, Capital One has been bugging me that I should apply for a credit limit raise.  That’s probably about due because with everything costing so much more, my credit utilization is actually affecting my credit score.  I had considered researching another card, and I still might, but just to get these guys off my back, I figured I’d have a try.  It was a quick and simple form, but I much prefer to imagine I was talking to someone about the increase, because the end result is much funnier that way. 

So Mr. Anachostic, if that’s your real name,  why do you want a credit increase?

Well, shit costs more now.  But you don’t want to hear that, so… my credit line does not meet my long-term needs.

I see.  And tell me about what you do for a living.

I’m a programmer.

Uh huh.  So big money man.  And what do you pay for your mortgage, Mr. Warbucks?

$720.

I think you made a typo.  No one pays $720 for a mortgage.

I do.  Same house for almost 20 years.  Never upgraded.

Well, well.  This sounds all good then.  So, how much did you want to increase your limit to, sir?

Uh…  I didn’t think I really had a say in that.  I’ve been at $10k forever.  Hmmm.  Well, if you’re going to ask, how about $20,000?

$20,000?  No, we can’t do that.  That’s just way too much.  We can make you a lesser offer, though.  How about $19,500?  Is that sufficient?

I’ll make do.

Thank you sir, and enjoy your new credit line.

Comments are closed.