My dad found out I have a credit card, and then found out that I have a balance on said card. He did so by rummaging through my mail, but that's a whole other can of worms.
He went through my wallet, found my card, and cut it up.
My balance is from tuition, books, and gas. I owe probably $1700, always pay the minimum (~$50), often pay 3-4x (~$150-200), and spend as much as I can from my checking account, but sometimes those last days until payday get rough and I need gas.
My balance never goes up (ignoring interest). I know what my payment is beforehand, I have a percentage of my check going into a savings account, which I collect interest then pay what was deposited. I never spend more than what I pay. I even try to take interest into account, subtracting about ~$35 from what I "can spend." I'm down from $3000 in 5 months. The only reason I have a balance at all is I started community college and needed to pay tuition.
My dad screamed at me that having a balance means I'm delinquent. I thought delinquent was when you stopped paying altogether? Discover hasn't said anything to me beyond sending me my statements and one time froze my card because I forgot to tell them I was traveling.
I'm 19, I'm not too knowledgable in this stuff yet. I know Discover says they will not reissue cards to delinquent accounts, but I really need that emergency ability to buy things. Am I outta luck?
Submitted October 26, 2018 at 09:50AM by therealmegluvsu https://ift.tt/2z5hClI
