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Old 12-28-2005, 12:11 AM
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Default Re: Bad credit ratings...

Yes, I do it all the time. I think part of it stems from greed; you want to take the pot down so bad, you start coming up with reasons as to why you should call. The other part of the problem is a lack of discipline. You know you're beat, but you call because it's so easy to- all it takes is a click of a button.
What I do is keep a record of all my blowups, and post them online whenever it happens. Public humiliation is a good deterrent for getting out of line, at least for me.
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