I got a letter today from "card services" and thought oh no - am I over limit?? Good news rarely comes from such an address. But lo and behold they said they made a mistake and failed to reduce my APR in 2011, and are adjusting my account for the difference.
Say what?! Do you mean to tell me that my credit card company is giving me money? I checked my account and it's true! So, while this is not actual spending money in the bank, it's money I don't have to pay back. Hooray!
Heck yeah that makes me happy - to the tune of seventy some-odd dollars!
$70 isn't always that easy to come by. I work hard for the money!