The nerve

So I emailed AmEx and Discover to see if I could get my APRs reduced. Why email? Because I'm too embarrassed to ask over the phone.

If I call, what if they ask why? "Well, sir, you see - I've been very bad with my money and honestly I can't even find my credit card but I need to have the APR reduced so I can afford to pay you back. And I'd threaten to move my balance but as you can see by my credit report, despite the excellent rating, no one wants to give me a credit card. Yeah. But, I really like your credit cards so could you do me this favor?"

AmEx got back to me - dropped my percentage down 1 point. Discover doesn't negotiate APRs over email, so I have to call.

Those that know me know that when it comes to talking about sticky or taboo subjects, I tend to be fearless. But, hot damn! I am so scared to call a credit card company that my guts are starting to gurgle. Again.

Yesterday: $22 - cab (Ack! What is this, New York?) and coffee/bagel.