Diane, thanks for the advice and background on your experience. I have never been in cc debt nor do I personally abuse my cc. I also know how the cc companies work since I have been an adult for some time...haha I do take it personally when I have been a loyal and faithful payer to my cc and never late. I do take it personally when I call to ask a question and I am treated like an idiot. I do take it personally when they are getting paid to answer my questions and not the other way around.

Simply put, I have money to pay my cc's. I can choose who I want to conduct business with. I have been with my cc company for four years and have never been charged a late fee, ever. Someone at the company did not take the $1000 I sent and apply it to that months bill. I specifically sent the payment in for that due date so I am not buying into the excuses. I can take my money elsewhere and have that right. It's not personal, it is my business to make it business on my part.

Kay, girl you hit the hammer on the nail! The big companies are reaping the rewards and I think the recession headed our way will make things even worse.

Carolyn, LOL I did kick butt and put my app in for another card asap. As soon as I hear from the new company I am calling the "old" cc and telling them to take my payoff and shove it where the sun don't shine!

Vonn, I have been out of the dating scene so long I don't have advice. I guess follow your instincts as they are usually right on.

TK, awww, I hope you get the doctor soon. What the heck are lavages?

Finn, yeah I keep one cc and that's it. As soon as I am approved for the new one I am canceling the old one. Phoohey on them! lol

Greta, whoohoo! overseas is fun. Lonely at times but fun at the same time. I lived in Krumbach Germany for about a year and met so many wonderful people. The perks of military life eh? Kudos on starting a new family too!

Renee, did you call the Tysabri people? I hope they have some answers.

For anyone not in the know. Renee called me and was in a lot of pain in her liver and upper kidney areas. She is not sure if it's from the infusion or something else and couldn't get in to see a doctor today. I am waiting for her to call me back. If I don't hear something soon I'll call her and update.

My update: I renewed my military ID today, dropped off Jim's specimen at Hines, cashed a check at the bank, had my ring cleaned/looked at and took the dog to the vet. I lead such an exciting life huh? LOL