This may be my favorite card now, if only because it has such a colorful history!
Citi was actually my first credit card. It had an $800 limit, which I managed to meet and exceed within about 3 months of receiving the card. You can check out my second entry for details on what happened with this card.
Anyways, I got a new Citi card about 5 or so years ago, though I can't remember why. Within the past couple of years, this baby has see a lot of action! The most memorable was the $1600 cash advance I took to help my then-boyfriend purchase a crotch rocket motorcycle. (I should have known at that point that any guy who drives a crotch rocket is not the guy for me!)
Making that loan was a major mistake for me, for a couple reasons. First, I just shouldn't have offered to assist him with that purchase. Ours was not a real give-and-take relationship, and my loan was a misguided effort on my part to get him to love me. Second, I had to pay interest on that cash advance for a year before he paid me back! And he only paid the $1600, since I didn't have the balls to make him pay the interest.
This was also one of the cards that helped me get through massage therapy school. Tuition, books, supplies all were charged to this card.*
I actually had to pull this card out recently to help pay for a prescription and some household items. I'm not really happy about that, since I'm really making an effort to not use my cards, but I had a $100 prescription deductible and no cash to cover it. Health vs. debt...Health first!


*I had another card for this purpose, but the 29.99% interest rate was brutal (obviously) so I made some balance transfers and now have a zero balance on that one!

I really can't remember how I got this card or why, though I suspect it was in a balance transfer situation. I recently made some charges on it, a bunch of Metrocards, in an effort to ward off the $5 fare increase.

I got this card with a gorgeous 0% introductory rate, a little over a year ago. I transferred some balances, promised myself that I would just pay it down, then bought my birthday dress and fabulous shoes! What can I say, I'm weak! I also charged some groceries, I believe.
In one of my many efforts to get my debt under control, I enrolled in automatic payments from my Chase account. Then in a moment of...I'm not sure what it was...I opened a checking account with Bank of America. The next time a payment was due for this card, no auto-withdrawal from Chase! Uh oh.
I called and managed to get the late fee taken off, got scolded for not scheduling my payments to be withdrawn on time, and discovered that my new checking account had disabled the auto-withdrawal. I also got stuck with a new interest rate because I had "defaulted" on the agreement. Rather than call back and argue, I decided to do some balance transfers and stop using the card. As soon as I can, I'm going to cancel the card. I hate Bank of America.

I suppose this isn't a credit card account, technically speaking. However, I have an APR on it (19.9%) so it sure freakin' feels like a credit card account!
When I was at my previous job, at an art college in NYC, I opened a checking account at Chase bank. A very smart move on my part, considering Chase is literally everywhere in the city. There's even a branch in my 'hood! Very convenient pour moi.
At the time I opened the account, I applied for and received this overdraft. You know that rush you get when you're approved for credit on the spot? Amazing, right? Like you just received a very high honor for having decent credit. I was quite proud of myself.
For a while, about a year, I barely noticed the account. I wasn't in the habit of overdrawing my account or bouncing checks, so I was comfortable. Then I went back to school, and there were days when I just needed to have cash, so hello overdraft! And it was great. Chase would take from the overdraft only what was needed to bring my checking back to zero. Then one day, they started drawing off the overdraft in $50 increments. No explanation, that's just the way it was. And no, I did not inquire. Please see my previous entry on my decision to ignore what was happening to my credit.
So, here I am today. Hello overdraft. I haven't actually overdrawn my account in over a year, so I'm strictly in payoff mode.
My Goal: Pay off this debt with my tax return.