Personal debt has apparently climbed to exciting new figures and we’re all approaching something called the ‘credit crunch’ which, presumably, entails being crushed to death by a mountain of bills and debt collectors.
Imagine my surprise then, to receive a credit card application from a company who many years ago, I defaulted on a Vista card with and never paid back.
Let me explain.
I’ve never exactly been a ray of sunshine, even as a child. Proof of this can be found in one of my old school nicknames, ‘smiley’ so called because I wasn’t and I didn’t, at least not very often. It was perhaps unsurprising then, when depression eventually bloomed and led to a series of unfortunate events.
Such is life.
Now, I’ve a tendency to be quite sly and calculating, though this may not be immediately apparent, and while my depression eventually led me to do unfortunate things with razors, the cynical pragmatist in me reasoned that I might as well stop paying bills, tell the respective companies to fuck off and wring as much enjoyment as physically possible out of my remaining days. Which seems something of a contradiction now.
Still, true to my reasoning I defaulted on my credit card, ignored every bill that came through the door, told a debt collector to fuck off in person and generally got on with the business of having the best summer of my entire life at the end of which, well, razors.
Obviously this plan was not without its flaws; having fun can be quite difficult when you’re habitually morose and, should you somehow manage to start having a good time, there’s a good chance you’ll no longer so keen on the old sui caedere.
As it was, I had a truly wonderful time and then spent a little while in hospital thinking about what I’d done. Without sufficient vigor, apparently. Hospital beds, it turns out, are surprisingly reflective places and I found myself ruminating about the contents of my somewhat mixed-bag. To whit,
- I’m still alive. This is definitely going to come in handy for future activities.
- I owe a lot of people a lot of money. This could prove to be a hindrance to said activities.
- I think we need to find a different and less final solution.
- I hope they have jelly and ice-cream.
So, despite this, despite my truly ruinous credit rating that, if nothing else, will ensure I never own my own home, despite my past willingness to opt for immolation as a solution, a previously defaulted account and a continued insistence that, frankly, I’m doing businesses a favour by using their services and not the other way around, I’ve been offered a credit card.
And I thought that I was cynical, I’m a fucking amateur.
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