Credit

OK, I'm making one more entry today to rant.I am continually trying to improve my credit. I fucked it up when I was younger BIG TIME. Now I have 3 accounts in bad standing (from back then--they won't be gone for another 3 or 4 years), and 13 accounts in good standing or closed in good standing. However, I get denied for things that require credit checks all the damn time. The three credit cards that I do use suck ass, but I keep them in good standing so one day the magical credit fairy will sprinkle the magic dust upon my credit report and make it dazzling and illustrious!One of my credit cards (which has a 19.99% interest rate - eww) just gave me a $35 late charge and $19 finance charge, because they received my payment ONE DAY after the due date. Fuck Providian - right in their ear... if they report that to the credit bureaus as 30 days late, I'm gonna kick them in the shins. I pay my balance in full every month. I called them up and cancelled in a blind rage - they lose my $1000/month in senseless spending because they're a bunch of bleeding cunt rags. (potty mouth)Luckily I just got a brand new transparent orange credit card with a much higher limit and lower interest rate than that one, so poop on them.