back to credit cards after 2 posts put on wrong blog

why does my credit score have to be affected if I cancel a credit card? If I don't use it for over 1 year it will automatically cancel.
I was never late in my payments. Always paid more than the minimum required. Never bounced a check YET my score is going down and my allowed credit continues to shrink.
What game are the banks playing? What game is the government playing? What ever their agenda is neither one of them, banks or government seem to want to honor honesty and dependability.
I was raised in Europe during WWII. I enjoyed the freedom I had once I crossed the ocean to come to the USA. After 45 years in USA I've seen the enjoyable freedom avalanche down amendments and new laws supposed to benefit us but turned to be against us honest, reliable citizens. Profit is not a dirty word but robbery is a sin. Why can't anybody be happy with an honest profit which would benefit all humanity. Why do money and power effect reasoning so badly. I feel I now live in a world of misrepresentation, lies and disguises. Why is the joy of life been taken away from us through fraud masked as protective laws for the citizens?

honor

Honor thy mother and thy father. Honor your family name for that is the only personal thing you are born and you will die with.
The sacracy of family has gone by the way side. The last 30 years of throw away society destroyed all family ties, neighbourly attitudes and close friendships.
A strong vulnerability has been created for each of us. For the man who stands alone can never have the strength to defend himself against a mob.
Mother's day and father's day should assume a new meaning of closeness instead of the commercial card, or flowers or candies. The world has been materialized in the last generation and deep feelings for each others seem to have been replaced by feelings only skin deep.
Work, we were told, makes a noble man out of a parson. People were proud and respected for the work they did. Workmanship is a thing of the past. Everything today is done to be broken soon or be replaced soon. Economy is suffering from a political, socially created cancer.
Families have become a burden instead of something to be proud of. People in the past walked with their heads high kept that way by their own pride and family. They smiled they hugged, they kissed.
Today through propaganda and funky laws people walk with their head looking down. Even children in cribs seem to frown instead of smiling.
Education, charity, encouragement, politeness were all taught at home but today is monopolized by different schools and organizations. Solidarity is gone.
I try to keep my family's nest but every year it becomes harder to hold on to it, for it seems today's people are born opinionated.

rain rain go away

We had over 8 inches of rain in the Montgomery, Alabama area in less than 30 minutes. It was really teaming hard, the skies were dark and low, nature was silent. We could only hear the wind whispering in the trees and could only see flower petals falling and flying in the breeze.
Tomorrow is here today and the sun raised slowly from the east. The birds welcomed his warmth chirping happily. Little lizards on the banister were breathing happy inflating their red goitre bubble (I am sure there is an anatomical name for the throat of the lizard but I do not know it), I just enjoy watching them breathing blowing that little red bubble under their throat. They are so cute.
The Azalea bushes have been stripped of their beautiful. colorful flowers, so have the Knock Out roses. But nature heals itself fast and new buds will bloom again. Nest blooms will be the Crepe Myrtle trees and the little baby roses surrounding their trunks. I feel blessed to be able to see and admire the wonderful nature around me, even though I could do without the myriads of ants making new beds over the property. I guess ants have a right to life as well and they serve a purpose in nature, even though I cannot imagine what it would be.

Equifax

My credit score went down a lot. I still pay all my bills on time and maintain a disciplined accounting method. I spoke with Equifax rep. today and found out I had a collection from a dentist (who originally accepted my insurance assignment). The main think I found out is that closing a credit card goes against your records, even though you were never late paying and always honored your contracts. The banks really want to keep us hooked don't they. Lowering our credit score will make us pay higher interest in future loans, whether a car loan or house mortgage. I personally feel this is another form of fraud on us honest people. Seems as though everyone is double dipping today. They want us on their hook one way or another. I understand congress worked on new regulations for credit cards, but who are these regulations going to benefit? Shouldn't there be a ceiling to the amount of interest a bank can charge or have the banks become pawn shops for credit cards? Strangle the honest needy who try to do right and help the dishonest by giving them a free pass????? How does that work???? I'm dumb. I wish someone would explain me how lowering the amount of credit allowed can help the credit card holder. I remember the old Jessie James used the guns. Today we us pens and computers. The only difference is there is no spilled blood; instead there is a lot of created misery.