I hate them. You do it to yourself and you want to kick yourself. I sent a large amount of money to my credit card last week. So I went online to check my account and it didn't post! What happened? I'll tell you what happened..I'm an idiot! I accidentally sent it to my last credit card which I had already closed. I called up the company and they are sending a refund check, but it will take 14 days. ouch. why so long? Then the other card charged me a late fee for my dumb mistake. Luckily, they waived the fee for me.

I have to be sure to check my accounts and I get all my money back. I paid another large amount of money to the "correct" credit card but I have twice as much money gone from my savings. That sucks! Oh well, I guess it's good because I am sending the refund check straight back to the right card to pay down the debt further. I'm on my way to a debt-free life! ;)