Yesterday I went to our credit union and applied for their Visa card to take advantage of the lower interest rate. I couldn't open the card only in my name because I don't make enough money on my own..*Ggrr* So I had DH meet me there (aka The Money Man. lol.) I told him I figured it'd be about 20 minutes, so he just took a break from the office. Well guess what - I was wrong. It took a hour. When did it take so long just to get a credit card? Didn't they USE TO pass them out like candy?

I asked the loan officer about that. Told him I figured that things had tightened up for unsecured loans. He said that was exactly what's been going on. And the high credit limit we were requesting. Is $15,000 really that high??

He said that we might have to close the cards we paid off. I told him I wasn't willing to close cc#2 because it is linked to our checking for overdraft and it is one of my longest history credit lines. I would be fine with lowering the limit in order to get the new loan. In the end it all turned out fine. We will be closing cc#1, but no changes to cc#2. Our new APR is 9.4%, with no fees.

After I feed baby lunch I have to take some paperwork over to the c.u. so they can transfer the balances. Can't wait to see the balance shrink!

---------------------------------------------------

We went to Olive Garden last night for our anniversary dinner. It was an enjoyable meal. Baby DS slept all through and DD was sweet and polite (as usual! ) I had a drink, boy did it make me relaxed! Haven't had but a sip of champagne in almost a year. Total spent $65. My DH gave me a $100 bill "to spend on myself and buy something nice". I want to use it for bills, hehe. Maybe I'll see if I can find a nice summer outfit for cheap and put the rest to the cc or ef.