Bad News first... One of my credit cards has started an annual fee which is $25. This does NOT make my rate better.... It was just added...

Good news! This same card? My rate DID decrease to 6%. Why? you ask? Because three years ago I submitted paperwork to get my rate lowered (I'm military), and they refused. I last submitted paperwork over a year ago. It's been a three year battle and I had actually given up. They kept telling me one thing they needed then another. So about two months ago, out of the blue, my rate drops....

I was paying $51/monthly on it and now the minimum due has dropped to $25! So I'm not changing my amount that I'm paying them and it'll be paid of at a maximum of three years. But I'm snowballing payments so it'll be paid off sooner than that!

YAY ME!

I also closed my Rooms-to-Go account because I haven't used it in a long time and I'm going overseas again so there isn't a point in me keeping it. It was about to close anyways due to inactivity so I just went on ahead and closed it myself.

So this means that all of my accounts that I had before I joined the military are now 6% or less, or paid off and closed! WHOOHOO!!!