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Addendum: Visa

I am leaning toward closing the card.

I don't need shiny credit. I have a car, I don't want a house, I'm done taking any loans until I pay off the one I have.

I need my money. And paying an extra $25 a month for the privilege of sometime in the future being able to maybe play WoW for free one month out of four?

What am I nuts?

Even if I did stick with it, even if I did transfer the balance to another card and kept the card itself open, who's to say the APR would EVER go back down?

I'm writing a strongly-worded 'fuck you' letter. I'm not paying for their Christmas bonuses, or their yachts, or their $4,000 handbags.

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