Posts Tagged credit card

How a free pizza can ruin your financial life!

The Free Pizza that cost me over $20,000.

I still remember that day.  It was my first year at college, walking to the dining commons I see this table with a big Pizza banner hanging behind it.  It said “fill out an application and get a free pizza.”  What college kid can resist that?  Money is tight and a large pizza would be a welcome change from the on campus stuff.  Speaking of money, the application was for a credit card.  How great would that be, right?  My first taste of freedom from home, with buying power!  Yet, I didn’t hold my breath waiting for the card.  Who would give credit to someone who is a full-time student, no history and no job?

Flash forward a week later there it was! Hold on a second, that holding my breath thing, it happened.  Well I didn’t turn blue in the face.  I did think about what it would be like to be able to buy what I want when I wanted to.  Not having to call home and ask my dad for money.  Not having to explain every dollar I spent and get lectured when I was foolish.  And… we’re back to the flash forward.  I don’t think I even waited to get back to my dorm room before I opened it.  After ripping open the envelope I could smell something.  We all know the smell of money, this was that ten-fold with a hint of plastic power.  Holding the card in my hand, a rush went through my body.  What could I buy? When should I buy it?  The answers, everything and now!  Wait, I should probably read the instructions first.  Oh there they are, right on the card.  Call this 800 number to activate.  That was it, (besides the wasted ink on the back of the paper known as fine print.)  Within seconds of the call, “your card is not activated and ready for use.”  Wow, awesome, how simple!  $1,000 of buying power! Read the rest of this entry »

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