Credit cards are so stupid. Never again. What was I thinking? I haven't used them in over a year but I'm still paying them off. I just paid one off and was very proud of myself. But today I looked at the fine print on one of them and realized the terms changed in January because the company got taken over. A bunch of my cards had that happen, and I just paid off the one that was about to raise interest rates. But I guess I didn't read this one. But I just read that if I had opted out of the new terms and surrendered the card (which I don't use anyway) I would have remained under the old, more favorable terms. That is so frusterating. Even though some of it was for classes to finally finish my philosophy degree. Which, by the way, has been generating loads of cash for me. How many credit cards do I have? Right now . . . four. That's not too bad, right? Four credit cards, AES student loans and one citibank student loan. I almost waited to come to Peru until I had everything paid off, or at least the credit cards paid off. But I needed a change sooner than that. So . . . whatever. It's an investment in my mental health.