Earlier this week CIBC offered to consolidate my visa, something that I managed to rack up again only a few months after my mother gave me a loan (good on me). So today they put the money on my account and with the exception of a few hundred dollars that will be on there from Norwex and groceries that went on after the loan approval I have a clean slate. I phoned in and reduced my limit, I asked for $2000 but then I also asked for them to switch me to the aerogold card so that I could start accumulating points so that I can afford to take a trip next year and that card requires I have a $5000 minimum limit so I've decided to give my self a test run. If it looks like I'm holding a balance I'm going to reduce the card to $2k and get rid of the aeroplan. I REALLY hope I've matured. You would think I've learned my lesson by now!
The reason I wanted to switch to aerogold was I figure I could start accumulating points to go to New York (approx 50000) or Europe next year since I will be processing my norwex orders through them. I could also (if my budgeting is under control) pay groceries & gas with it.
I'm hoping I'm able to prove to myself and others that I'm financially responsible now...
Otherwise getting a business in the near future is almost out of the question!
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