Paying off your credit cards is an odd way to end the year. It just doesn’t feel very seasonal for a God-fearing Christian who ought to be marking the time of Our Lord’s birth by loading up their debts at Marks & Spencer in the traditional way. But I think I’m going to make it my new Yuletide tradition. It wasn’t as instantly enjoyable as panic shopping and took a while to get an endorphin rush out of. But once I got into the swing it was quite the rollercoaster ride of pure adrenalin.
First, I had to negotiate the confusion at the other end of the phone when I tried to explain to various call-centre operatives that, instead of piling up more debt at a rate of 17.5 per cent and worrying about it in the New Year, I wanted to pay it all off now, and spend the New Year being peaceful and well organised.
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