Thursday, June 11, 2015

Celebrate the Small Things: bank accounts and credit cards

I recently made a payment to one of my credit cards (yes I have several unfortunately) which I later found out, via a call from the bank, had not been received. The sending bank then notified me that the transfer had failed due to incorrect account details. Blah, blah, blah. Has anyone been here before? Can anybody here me?

I made a new arrangement with the bank which did not receive its gouge, I mean money, and they said I would have to pay a late fee. I said, "I'm telling you in advance to avoid the late fee." They said, "No can do Mr Cairns. However, after you make the payment, you can contact us again and we will then reverse the late fee." I said Grrrrr!!!"(but not out loud)

Wait a second. Wake up call! First world problems, am I right? I have a job. I have money to easily cover all my needs, and to allow me to live comfortably with some of the things I want. I can borrow money. I have a car which I can drive wherever I want to. I have a home. I have more food than I can eat. I may have some debt, but I'm not Robinson Crusoe there. I'm rich.

I am grateful for what I have. I thank God for my credit cards and my debt. And I love that I can chat to bank staff on line, so they can't hear the inevitable exasperation in my voice. Actually, I no longer feel frustrated. So thank God for this blog, and for those who read it.


  1. "Rejoice in all things", or however it goes. Have a good weekend.

    God, Entertainment, & Annoying Things

  2. Dealing with the bank, overdrafts, and everything else is the pits. We also get by day to day. But like you I feel truly blessed.

    1. It's so annoying, and I struggle to remain polite sometimes, but afterwards I think...well, you know what I think. Nice to hear from you Cathrina. Thanks for taking the time to visit Square Pegs and for commenting.

  3. I know how aggravating company rules are, but yes, it's definitely a first world problem. There are much worse problems in most of the world - hunger, poverty, neglect - but there's also shameful apathy, stubbornness, and irresponsibility there too. Third world countries are that way for a reason, and I have first hand knowledge of that. Wishing you a great weekend and fewer bank problems!

  4. I hear you Lexa. We also have people in our wealthy nations who have the same apathy and stubbornness. I deal with people in my job who struggle through life blaming everyone else for their problems when their hardships are caused by their own laziness and bad attitudes, I hate laziness. I think God is pleased by hard work and...oh I'd better stop now. I feel a sermon coming on. :-)