Oh, hey there Citi card. You and me, we've got history. You started as a 0% APR Balance transfer card, and ended up costing me $300 in late payment charges because you changed the due date and I didn't notice.
Well, I've got news for you. We're done. You - me: kaput. Take this $1528.42 and consider it a farewell.
Spending: out of control. New friends, new gifts. Need to get back on the frugal train.
# of active credit cards with balances: 4.
Total balances: ~$21,000 (down $6K from the summer).
Monthly credit card payments: $1000
Goal: Credit card balance of $10K by 12/31/10
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