My credit limit went up again- but this time on a different card!

I have a CC with wellsfargo that has a limit of $1,800 and a CC with Barnes & Noble that used to have a limit of $500- now it is $1,250!

Yay! I now have a total credit limit of a little over $3,000! Later this year I am going to check my credit score. It must be decent if my limits are going up.

Is how much money I have made on half.com this month. I have sold 19 books this month.

What started as four boxes of books waiting to be sold has become three boxes of books. I can't wait until they are all gone. Too bad I don't have a never ending supply of books waiting to be sold. Lol.

I will be receiving a $25 gift card to Barnes and Noble in the mail very soon. I have a credit card with them and they have a rewards program where every 2,500 points (1 point= $1) you get, you receive a $25 gift card for the store. It is automatic so I don't have to do anything (besides using my credit card that is). And no annual fee.

I'm thinking a buying a cookbook or two with the gift card. My dad said James Beard is a great cookbook author to look for. I was also thinking of getting a Better Homes and Gardens cookbook. I could spend hours in Barnes and Noble (and frequently do) just browsing so it might take me a looooooong time to decide what to do with the gift card.

I called AT&T because I was worried about my bill. Or the lack of bill I should say. I signed up for internet about a month ago with them and no bill so far. So I called and the representative hunted down my account and told me they mailed my bill on Friday so it should be arriving within a week. If it doesn't arrive then, call again. I am very relieved to hear that it will be arriving soon. I thought I had missed it in the mail!

I did the grocery shopping this morning and spent $40.74. It was higher than usual because I had to buy cat food and litter. While there I completely forgot to buy notebooks for fiance and I so I must go back to Walmart again to get the notebooks. I won't buy them at the student store because one notebook will cost about $7! And I need 10 of them (or 2 five-subject notebooks...).

My first class begins in about an hour and a half so I have to get ready for it.

I discovered a big surprise today!

I logged onto my credit card website to check the balance and when I have to pay the bill. I noticed that the available line of credit was higher than I expected. I thought that I had miscalculated how much credit I had left (not that I would use what is left, I just like to keep track of what I have spent). But it turns out that my credit line was raised!

It went up $300, from $1,500 to $1,800!

I'll probably receive a letter from the bank in the next couple days explaining that my credit line was increased.

Half.com should be making a payment next week. For the first half of the month I made $25.85, minus whatever I spent on shipping (about $12 I think). The month is going pretty well so far.

A couple posts ago I mentioned that I tried to pay my credit card online by setting up the bill pay through the credit card website.

After a couple days of that not going through, I went to my checking account and set up that for online bill pay. I figured that the first payment I tried wouldn't go through because I hadn't set up my checking for online bill pay.

I was wrong.

Today a second payment of $78.95 went through and now I have a credit of $78.95.

I really need to learn patience- my CC bill isn't due until mid May and if I had just given the payment a few extra days to go through this would not have had happened.

It's not a big deal, more of an annoyance. I think it is a little funny too. I will probably end up using that credit soon because I will have to buy books for summer classes in the next week.

Today was a weird day.

I got to school a little yearly and talked to a couple friends while we were waiting for the class to begin. The subject turned to the Mexican Swine Flu. One girl thinks it is man-made and a result of bio-terrorism. She launched into a big conspiracy theory about it. I didn't pay much attention to the theory but I don't believe it. I think this will pass as long as everyone is cautious and washes their hands properly, etc.

So I went to the grocery store today. I spent a whopping $142! But I went to two stores- Walmart for everything but chicken and salmon and a second store for the chicken and salmon. The salmon cost $20! I wonder if I should start getting that at Walmart. The Walmart near me sells good produce and meats, but the salmon today didn't look great. The second store is a lot more expensive, but their seafood looked more reliable.

I learned a lesson today in reading the product label thoroughly. I wanted to buy avocado for sandwiches but didn't want to buy a whole avocado- I just wanted the inside (does that make sense?). So while looking in the produce section, I saw this container that said "Avocado" so I grabbed it. I got home and discovered that it is Avocado veggie dip. It tastes weird on sandwiches but really good on crackers. I guess I broke even.

I'm going to try a new recipe tonight. It is this:

try, try again.

I attempted to do online bill pay yesterday. I went to my CC website and put in my checking account number, how much I wanted to pay (full balance- $78), and set up the payment for today. I just checked and there was no payment made. It didn't even show a pending payment.

So I went over to my bank account (the checking account showed no pending payment either) and set up a payment for today for $78 to that CC. It says it will go through in two business days, on the 28th.

So we will wait and see. Worst case is that I send two payments of $78 resulting in a credit of $78.

My French class was cancelled today so my friend and I went to a juice place. First time I've been there. I got an "Oreo Speedway" and it was delicious! Wasn't the best drink to get on a cold day (really should have gone for the hot coco but next time!).

There is an odd smell in the house that I need to track down. I think my brother left some food in his room and forgot about it...

Today was a busy busy day. After my classes I ran some errands that I have been putting off.

I finally went to the mall to get my chain and while there I stopped by an eyeglass store to look at frames. They were having a sale; a complete pair of glasses for $99.95. I looked at the frames on sale and I can see why they are on sale. Most of the frames were ugly. Trying to be a good sport, I tried several on. A few were passable but most were blech.

I looked at the other glasses and found a frame that I loved and looked good on me. It cost $160 for just the frames so I didn't buy it. I might get it later, but there are other places in town having sales.

I just found out that my dad's job is secure until June, when his contract is up. We are relieved because a job he had applied for he did not get. There is also a good chance that in July or August he will get a job at Boeing. Keep your fingers crossed!

After looking at eyeglasses (yes, I know I am jumping around) I went to the DMV. My license is expiring in March because my birthday is just over two weeks away! I will be turning 20 soon! My dad plans on coming down either my birthday weekend or the weekend before and will take me shopping. I have been flip-flopping on what I want. I just can't decide.

I still have grocery shopping to do. I don't know if I want to do it tonight or wait until tomorrow morning. Walmart will be packed at this time and I hate dealing with those crowds. What I'll probably end up doing is getting some things at a store just around the corner and do the rest at Walmart tomorrow.

I received a notice from my B&N credit card that the terms have changed. The fee for a late or missed payment has gone up and the interest rate has been lowered. Neither I care about because my payments are always sent in early and my balance paid off in full each month.

I just realized I made a boo-boo on one of my checks.

I sent in a check to Wellsfargo for a payment for my CC and instead of dating it Jan 20th, I dated it Jan 28th.

And I just stuck it in the mail box and it is gone. I cannot get it back.

Darn.

Do you think it will matter? If they get the check before the 28th (which I am almost certain they will), will they cash it or hold it until the 28th?

Maybe I'll go down to Wellsfargo tomorrow and talk to my banker.

I go onto Wellsfargo to check my statement and I noticed something very odd...

I have a higher credit line!

They raised it from $1,000 to $1,500!

It is nice to have a higher credit limit... I don't plan on spending that $1,500 but it certainly does help.

And this means that my total credit limit on my two cards is $2,000.

It has been a rough day and this totally made me happy.

I received an interesting letter today in the mail.

It was from Discover and it read:

"We are offering you a special 0% APR credit card that is only available to those who have achieved the highest level of financial success."

I know I am amazing and all, but please, you're making me blush.

::rolls eyes::

I surprised myself today and actually went to a store! I went to PetSmart to pick up a water test kit. I also stopped by the store at which my boyfriend works to see how he was doing. I bought a pair of headphones and a new journal.

A week or two ago I sent in a request to receive my credit report from all three credit bureaus.

I've received my report from TransUnion. I thought that it would include my credit score, but I was mistaken.

Good news: everything on my credit report is correct and there is no fraud showing.

The only thing I found weird was that there were a lot more inquiries into my credit report than I expected. There were a lot of "Promotional Inquiries". But the report says that no one but me sees those inquiries and they don't affect my score.

I'm a little disappointed that my score wasn't included. I was really hoping to see that. Where do I go to find out my score? I'm guessing that I'll have to pay for it.

Now I wait for my other two reports to arrive.

I don't normally pay much attention to the envelope Wells fargo sends me to send my check in. But today I read the inside flap-they had printed useful instructions on how to send in my check.

Did I include the check? Yep.
Did I include the pay slip? Yep.
Did I remember to write my account number on the memo line of my credit card? No..

It may be just me, but that doesn't seem like a good idea. I've had mail get lost before, so I'm worried that if I write my card # on the memo line, my letter will get stolen and then I'll have to deal with possible credit card fraud.

I wrote the card # on it this time- I haven't before.

What do you think? Write the card number or not?

I got my credit card a couple months ago (don't worry, this isn't going where you think it is). And to ensure that I don't spend money that I don't have, I've been recording each credit card transaction in my checking register.

But this is causing me a big headache. Every time I check my checking balance online, the balances are always different and I have to go through each transaction to make sure my balances are correct. It gets more annoying when I've written checks and they don't clear right away.

There's nothing wrong with this method, it's just that it's starting to get annoying. I don't like spending 15 minutes every week going through my checkbook.

Do you have any tips on how I can simplify this? I'm very good with my credit card-I buy gas and groceries every week on my credit card and I always pay my bill the moment it arrives in the mail.