Credit cards

A couple of weeks ago I went to Kohls with my mom and I got "coerced" into signing up for a Kohls credit card -- because of the tremendous deals I will receive. Oh yes, tremendous deals are the best. So even though I really didn't want another credit card, I'm a sucker for tremendous deals and I signed up. Instead of doing it on paper or online, I used their handy-dandy credit card swiper machine to sign up for my credit card. After entering my information, which consisted of only numbers (social security number, address, phone number), I was approved with a whopping $1500 credit limit. The sales guy then gave me a paper to sign, which I did, and that was that. I was all set for the tremendous deals that would happen year round.

Yesterday I got mail from Kohls, and I thought it was my first credit card bill. So I opened it, and instead of being a bill, it was a letter informing me that me or someone else in my household (darn those cats) signed up for their protection plan and that I would be charged $1.60 per $100 I spent. It went on to explain how helpful this will be for me in case something terrible happens to me and I can't pay my credit card bill anymore. Now, I had charged up a huge credit card bill of $22 bucks the first time I've used my account (dripping with sarcasm}, and even though I received my card, I haven't called to activate it or even signed it, so I'm thinking, why the heck would I sign up for a protection plan to protect me from my $22 bill? Darn those cats....

Ah...but then I realized that since I signed up so quickly and efficiently without being able to read anything, I ended up signing myself up for this lovely plan by signing the agreement. Pretty sneaky, I tell you. So now I get to make a fun customer service call to cancel this plan that I don't want because I'm pretty sure I'll be able to pay my $22 credit card bill -- when I get it.