When I was 18 and fresh out of highschool, I like a lot of kids took out one of those pre-approved credit cards that you get in the mail. Mine was from Orchard Bank, a name many may be familiar with because I doubt I was the only one. In the time I had that card I ended up racking up like 600 bucks in credit (not much compared to some but still) and decided not to pay it, defaulting the card to collections, followed by ignoring many a call on my cell phone until it faded away into oblivion.

Fast forward seven years, I now have good credit, and I credit card I barley use.

So what a surprise when I received another pre-approved card in the mail today. It made me chuckle because you would think they would have my name on a list somewhere on someone who screwed them over on 600 bucks, not to mention any fee’s they had to pay the collection agency. I guess in this debt based society they really don’t care, they prolly just saw my credit score (which is very good by the way) and figured, what the hell this guy might need another platinum credit card with an outrageous interest rate, lets send one his way.

Its makes me think back to the conversation I had with my dad before I even activated that stupid card. He tried to warn me, but being the big boy I was, fresh out of highschool and ready to take on the world. I figured my minimum wage movie theater job was enough to keep up with the payments, and still be able to satisfy my other teenager activities, which proved to be more important to me then paying off that card.

Got a lot done on the book today by the way, more on that later though, just felt to share that thought.