“Looks Like It’s Time To Treat Yourself, Angel Cardholder!”

time to treat yourself

This is the subject line and email I received this morning. Since I have credit available to me – it MUST be time to treat myself!

Uh, sorry VS… that’s just not how it works in my world. I have this card because of the extra perks I can get IF I need something.

I don’t have this card so that I can splurge because September rolled around…

I didn’t get my near perfect credit score by splurging! That’s not how credit should be used.