Chase Changes Due Date Without Warning, Changes APR From 3.9% To 29.99%

Dan writes: “I was scammed big by JP Morgan Chase Credit Cards. They apparently have “floating due dates” that we had not encountered in our 10+ years as customers but somehow February of 2007 was the magic month. They moved our due date up by 3 days, our payment was two days late. They raised our interest rate from 3.99% to 29.99%…Amazingly enough, on our March bill the due date is exactly the same as January. They claim they sent us a notification letter, but I never received one. I spoke to the worst customer service person ever, Dennis Broyles, who claimed that no one in the company had the power to change my interest rate back and that he had no supervisor I could speak with. It was outrageous.”

Wow, one day late and it automatically shoots up to the default rate? That’s malarkey! Maybe Dan could call back and say, “I never received a letter about the due date change, therefore there was not sufficient notification, and I deserve to have my APR rate lowered back to what it was before and the interest overage refunded from my bill. We told another reader something similar a few days ago and he was able to get his due date moved back and late fees refunded.

Dan sent this letter in March. When we recontacted him, he said that after trying to navigate the maze of Chase customer service, he just paid the card off in full and shredded it. He also said that after researching similar complaints online, it seems to happen to a lot of people who have low interest rates and pay their credit card automatically i.e. people Chase makes the least profit from. “Ironically,” writes Dan, “they keep sending me new offers.”

RELATED: Chase Changes Due Date Without Warning, Charges Late Fees
(Photo: epicharmus)


Edit Your Comment

  1. caj11 says:

    I see a class action lawsuit in the works here.

    Something similar happened with another credit card of mine (to all cardholders and notification was deemed to be inadequate), though it didn’t affect me, as I never had a balance on the card and really didn’t care. Nonetheless, thanks to some glorified ambulance-chasers, all cardholders got a settlement check for 79 cents! Whoopee! I tried not to spend it all in one place.

  2. james275 says:

    It doesn’t take being late for chase to raise your rate. Earlier this year, they raised my rate to 29.99%, on 2 separate cards, arbitrarily, just out of the blue.

    I had balances of about $4k each on 2 chase cards, for a total of $8k. The rate was around 5%. I was paying the minimum each month, and always on time. I’ve never missed a payment on any bill in my life. My credit score is over 750.

    One day I received one of those long, drawn-out “cardholder agreement change notifications” in the mail. Hidden in the middle of it was a “notification” that they were raising my rate from 5% to 29.99%, effective in 2 months. I had the option of either 1. accepting the rate change and its application to all of my current balances or 2. calling to close the accounts. With this option, I would keep my previous rate, but the accounts would be “closed” to new charges, and they would appear on my credit report as “closed” accounts. Closing accounts has a negative impact on credit scoring, so that was not an attractive option. If I did nothing, of course, they would assume that I accepted the rate change and would start charging me 29.99% interest.

    I transferred the balances to another low-interest card and said goodbye to Chase. Forever. FU, Carter Franke.

    I do wonder if Chase jacked my rate b/c I kept cashing those $15-$30 “credit protection checks” that they never stop sending out. If you’re a Chase customer, you know what I’m talking about : “Cash this $30 check and you’ll be enrolled in some useless program for a fee of x% a month, unless you call to cancel…” I ignored those checks for so long, but when it came to my getting at least 2 a week I started cashing them all, pretty much just out of spite. If they are going to bombard me with junkmail, it is going to cost them.

    I had a little system – I would put it on my calendar to call and cancel in 3 weeks, etc. I did this a bunch of times. probably 8? I dunno, I can’t be sure. I suspect that this led to them to jack my rate to 29.99%. That can’t be legal.

  3. Pfluffy says:

    I’d rather be beaten repeatedly by the devil than to do business in any way shape or form with JP Morgan Chase. Bloodsucking leaches. After being a customer in good standing, never late, with balances sometimes large, sometimes small, sometimes paid ecompletely off for more than 10 years, they tried to jack my APR up to 32.99% on a card I held with them. Luckily I read all the fine print on both sides of my statements. I declined the default rate in writing and cancelled the account. Then just months later, they offered me a 0% promotional rate for a new card. The VERY FIRST time I used the card with the VERY FIRST bill during that 0% APR introductary period, they gave me the same hidden “we’re jacking your rate up to 32.99%” stuff. (Why not go for 50% or 70%?)

    I found out that they did that because I was an authorized signer on my employer’s business account that went into default. (Yes, I should have checked my credit report and remembered to ask to be removed from the (non Chase) account before I changed jobs. Hindsight, you know.) But I found myself writing to decline the default rate and to cancel that account too.

    Fine. If that’s how they HAVE to do business, they can do all the business they want without MY money. And darling, I have a LOT of money that Chase will never see. And they STILL send me unsolicited credit card applications despite my being on the list NOT to receive such unsolicited offers. Of course I send them back their prepaid postage envelope containing and all of their unbelievable terms and conditions with all of the garbage they try to send into MY home.

    As long as I breathe, I will never do business with JP Morgan Chase again. After telling everyone who would listen what JP Morgan Chase was doing to me, my spouse, my relatives, and almost all of my friends hold the same opinion — because Chase has tried those tactics with them as well!

    I just hate them… so very much.

    Now that I’ve vented, I think I feel better. But they still suck.

  4. DallasDMD says:

    @james275: Since when does closing an account negatively impact your credit score?

  5. mantari says:

    I informed Consumerist, about 5 months ago, concerning Chase moving up the due date without notification. I even included scans of multiple bills to prove the claim.

    It was ignored.

    Sorry to see that other people are getting bitten on this one.

  6. kenblakely says:

    @DallasDMD: Umm….since there was a credit score?

  7. wezelboy says:

    Chase tried to do this to me almost a year ago. Fortunately I caught it and paid my bill on time.

  8. Ailu says:

    I said this on another thread, but it’s worth repeating here. After we saw a PBS Frontline special about how deceitful the credit companies really are, Hubby and I decided to dump all of our credit cards for good. It’s called “The Secret History of the Credit Card”. If you want to learn just how they mislead and deceive you, I highly recommend it.

  9. DallasDMD says:

    @kenblakely: Thanks for your gem of wisdom. Would you like to actually contribute to the discussion or do you just want to ego trip?

  10. jwissick says:

    I love chase so far. I get nice rebates back every other month or so and I choose my own due date… so if they change it I can change it back.

  11. SOhp101 says:

    If a credit card company changes its terms of agreement, you can decline and continue to use your card with its current terms until it expires.

    Universal default is a different situation though. Nearly all credit cards do have a ‘floating’ due date. Stays mostly the same but it does change back and forth from time to time.

  12. timmus says:

    Thanks for the timely info — I have been considering opening up an account and I will be avoiding Chase like the plague. I would definitely like to see Consumerist post a list of bad banks.

  13. SOhp101 says:

    @DallasDMD: The ways closing an account negatively affects your score:
    – Your account is no longer active, so you no longer benefit from the age of the account.
    – If you close the account with a balance, not only does the calculation not include your credit limit on that single card in your total revolving limit, but the balance is still added to your current revolving balance.

    Having nice old accounts is good, but having several open credit cards can be seen as a potential risk, mainly when applying for a mortgage.

    Credit cards are great as 30 day interest free loans but extend your balance any longer and you will quickly lose.

    From the last time I’ve done cc research, Chase is the worst for carrying a balance. I only chose them because I was able to get into an awesome rewards program right before they stopped offering that particular one.

  14. SOhp101 says:

    You still benefit from the age of the account, but it is no longer getting older, plus it is reported as closed. It will eventually disappear from your credit report, typically in 7 years.

    Also avoid closing an account with a balance because most companies will automatically begin charging you prime + default rate. Before canceling you may convince the retention dept. to give you a temporary lower rate.. All CSRs are different so it doesn’t hurt to try again a few more times if you get a no at first. If they all say no, then get ready to make the transfer before you close the account.

    There are two types of closed accounts:
    – consumer request
    – closed by bank (or something similar)

    A voluntary closure is much better has almost no negative impact other than the ones listed above. An account closed by the bank is usually a lot worse, especially since they usually only do this if they think you are an extremely high risk borrower.

  15. kalmakazee says:

    Holy Crap!! This just happened to me last week. I have a Chase business card and they raised my interest rate from I think it was 9. something to 24. something because I was late two days with a payment. The funny thing is I seriously never received a bill and when my wife called up chase (she called twice and each time it was a woman)she spoke to a woman whom I (we were in the car then and it was one of the few times I was actually driving) could have sworn must have received her period because she was the biggest GROUCH I ever heard.(my wife had the phone on speaker) the woman said there was nothing the company could do and I have been a customer for over 4 years and I never ever missed a payment. I have perfect credit. 2nd grouchass lady told me the same thing.

    Now being that I am a salesman and (I always do business honestly so please don’t think because of this that I am not an honest person – just what’s right is right and what’s fair is fair)I know how to play other peoples game, so this is what I did……

    Now here is the trick.

    I called myself this time and I got a British person on the phone. I explaind nicely how he sounded like a nice person unlike the other 2 grouches my wife spoke to. I explained nicely how I didn’t receive the bill and it wasn’t right and how can he be sooo cruel to the person (me) that is helping put food on his table each time I swipe my credit card. I told him I had 12,000 dollars that i would transfer to anopther card and I named him a couple other credit cards that I could transfer over with 0 interest. I also explained how i had perfect credit and other credit card companies would LOVE to have my business. I told him nicely that he could do what’s right or he will have to live knowing that because of him my family would have to go to sleep at night hungry knowing that he was the one that was going to cause us to be homeless and hungry because I would not be able to afford any food because of this outrageous increase in the bill, and just like that he lowered the interest to what it was supposed to be.

    The trick is to always be nice and courteous.

    Here is another trick i use. I always start off the conversation with something funny. If the person laughs I know i have a fairly good chance in getting what I want. If they don’t laugh then I know to just hang up and try again. There is always someone out there that will give you what you want. It may take a few calls but in the end you will get it. It has always happend (worked) for me.

    You can start off the conversation and say how are you today sir wooooops I mean maaam. or How ya doin maaaaaam oh my gosh i am soooo embarrassed I mean sir? Something idiotic like that and it works like a charm. Remember if the person doesn’t crack a grin then hang up and try again. :-)

  16. SOhp101 says:

    If you are in a situation where you absolutely must carry a balance on a credit card, sign up for a credit card at your CREDIT UNION, not one of the big banks. If you work for a corporation, chances are they have one, but you can also be eligible for ones you never even thought possible (for example, last time I checked military credit unions extend membership to directly related family members).

    They have much better rates and ditto with their customer service. They will be much more flexible and forgiving; they are usually more lenient in the application process as well. There is a membership fee that varies from CU to CU, but it’s usually worth it.

  17. TechnoDestructo says:

    This happened to me in December AND January. They changed the date TWICE…both times, after some runaround, they told me they’d changed the grace period…to 25 days the first time, and 20 the second…which meant that the dates I’d paid my bill (roughly the same as I’d been doing for years) were now “late.”

    I’d been paying my bill the same time every month, but all of a sudden, it became impossible to pay at that time without it being “late.” I couldn’t get a clear answer on when I COULD pay my bill without late fees.

    So yeah. This is some bullshit they started late last year, and I guess I’m glad I wasn’t the only one. (Because this means it might REALLY come back to bite them in the ass.)

    Anyhow, Chase is never getting another dime from me.

  18. Celeste says:

    I didn’t have the best experience with Chase, but I did find it absolutely hilarious that when I called the 800 number on the back of the card to cancel after I’d paid it off, I didn’t even have to talk to a real live person. There was a freaking option on the phone tree to cancel your account, and the submenu actually listed “Poor customer service” as a reason for why you wanted to cancel. I happily pushed the buttons and ditched that company as fast as I could.

  19. GinaLouise says:

    @kalmakazee: “… must have received her period because she was the biggest GROUCH I ever heard …” It should go without saying, but those of us in the XX-chromosome brigade don’t turn into hormonal monsters during our periods. However, sitting through a few minutes of “How ya doin maaaaaam oh my gosh i am soooo embarrassed I mean sir?” just might do the trick!

  20. bohemian says:

    How much time are people spending watching and dealing with credit card company games. There are too many companies that are supposed to be offering you a service that end up sucking quite a bit of your time with things like this.

    I am leaning more towards a good sized savings account with ATM access for emergency money.

  21. William Mize says:

    @Ailu: I am pretty sure that the Frontline special is available on Google Video, in its entirety.
    Worth watching.

    Why look? Here it is!


  22. internal says:

    Why don’t you people actually…

    I don’t know…


    Is it that hard?

    Yeah it sucks Chase jacked your rate up, but fer crying out loud… READ YOUR FREAKIN’ BILL.

  23. vex says:

    Doesn’t it say the due date on the bill? I’ve always had at least a couple of weeks until the bill was due, usually much more time. Are these due dates supposed to be fixed? I just pay it all off before the due date on the bill I receive. Is that what is happening here, you get a bill and it’s due 2 days from the day you got it in the mail? Or you are setting up automatic payments for a specific date?

    Or if you get ebills, doesn’t it have the due date on there? Don’t you read it? Or is Chase sending you a bill the day after it was due? I don’t get how you can not know your due date and be late unless you’re doing things automatically without paying attention.

  24. theblackdog says:

    I sent the last entry about Chase to my dad, his response is that he’s switching to USAA because (among other things) his card is so old that Chase charges him $20 per year just to have it.

  25. mantari says:

    @vex: Doesn’t it say the due date on the bill?

    Yeah. And here’s the rub. When they move your billing date up by either five or ten days, some people are going to notice right away. But a lot of people are going to miss it. I myself, almost missed it, and I’ve got an electronic bill scanning system that puts my paper and electronic bills all together on one screen.

    I consider this a dirty trick, because you know that with an unusual change like that, a certain percentage of the customer base is going to fail the test. And credit card companies delight in failed tests, which they are far too happy to provide.

    Why would someone miss it? A single example. Say you get paid bi-monthly. You get paid on the 1st and the 15th. You know that your Chase payment is on the 23rd. And you know that it comes every 30 days. After two or three years, it becomes a very ingrained pattern. Your paycheck on the 1st goes to pay the mortgage. Your paycheck on the 15th goes to pay the credit card.

    All the sudden, one month, and without warning, everything changes. It is the 1st. You just paid your credit card on your last paycheck, so this paycheck is the mortgage. Two weeks later, your look at your credit card bill. You’d better catch the fact that it is due in two days, and you’d need a heroic effort to get it there on time.

    Now, Chase said that they ‘gave notice’, and as I recall, they did. They gave notice that the credit card’s grace period is going to 25 or 20 days. I’m willing to bet that 95%+ of the people did not make the leap that a shortened grace period means that the next bill was going to be due earlier. Even after the fact, I still don’t see that they were forced to change the due date.

    So I’ll stop ranting now. No, I wasn’t bitten by this, but I almost was. I considered this a really slimy trick that Chase put in front of me, hoping that I’d trip up so they could slam me with a default APR. I am very sick of credit card companies innovating and creating new traps in order to trick me into failure.

  26. mushpuppy says:

    Thanks to William Mize. That Frontline special should be required viewing before anyone obtains a credit card.

  27. Bobg says:

    Hello Congress!!!!!! Are you listening? How do you expect individuals to fight these major corporations that have hundreds of lawyers on staff just to keep customers who complain in court forever. How about ifd we get rid of the credit card companies first and then get rid of the “do nothing” Congresscriminals.

  28. goller321 says:

    I recently had a similar thing happen with American Express, and I am waiting for a decision on the interest rates. I’ve also had similar things happen with Chase. I do currently have an outstanding bill with Chase, but I am enrolled online for bill payments. They have the option to have you bill paid on the due date (no matter the date) so I simply put a minimum payment on this and then if they futz with the dates, I am covered for the month… I wish all cards’ websites offered this option…

  29. ianmac47 says:

    I moved. I told Chase. I also told the post office. I had a late payment because they sent the mail to the old address. Needless to say, I’m in the market for some other bank’s visa.

  30. Echodork says:

    WaMu simply randomizes my due date every month. Sometimes it’s the fifth, sometimes the second… hell, one month they wanted me to pay on the 29th. They caught me a couple times and were happy to charge me a nonrefundable $35 late fee.

    Somewhere out there, there must be a credit card that doesn’t resort to mind games in order to generate fee revenue.

  31. Ailu says:


    Thanks William. I wanted to post a link to the Frontline special, but since I’m brand new to the site, didn’t want to be accused of link bombing or the like. Thanks for posting it. :-)

  32. GreatMoose says:

    I’ve got (or rather, HAD) my mortgage with Coldwell Banker, but apparently they sold out to Chase, because we got a letter saying our account had been moved to Chase. Should I try to get a mortgage somewhere else? I’m nervous with all things I’ve heard about JPMC.

  33. surgesilk says:

    I use the email bill option, and my bank automically is set up to pay the bill 3 days before whatever due date is sent.

  34. azntg says:

    @Echodork: Ask them in writing to specify when the billing cycle cutoff day is and when the normal payment due date is.

    That was the first thing I did when I got that card and so far, they’ve been dead-on, except for one day when they gave me an extra day.

    But I can easily see how Wamu could score serious cash from its users, from the way the payment system works. I’m sure though that they know if they try to mess with me, I can easily switch to a different prime card (college student + fair stream of income + stellar credit history = abudance of spectucular offers) and that the bank account with somewhat high balances is on the line as well. Ah I love package relationships.

  35. Pfluffy says:

    Greatmoose, the good thing about a mortgage is that the terms are set basically in stone. There is a clearly defined contract that spells out when you need to pay and what you need to pay. And if it’s a conventional mortgage, not an ARM, you can rely on paying one amount for the life of your loan on a specific date that never changes. You won’t need to worry about them changing the rules because they felt like doing something creative every third Tuesday.

    But still, if it were me, I’d do everything I could to keep my money away from Chase. And you may want to avoid Countrywide. I’ve heard things…

  36. stanfrombrooklyn says:

    Do you have any other cards? If so, call them and tell them that you’d like to transfer the balance on your Chase cards to their competitors because you want to close your Chase account. Almost all cards have a balance transfer option and it’s rarely over 9.0%. Then transfer the do-re-mi. Then quit using the Chase cards.

  37. hypnotik_jello says:

    There’s no reason to close the account per say. Just balance transfer and keep a $0 balance on the Chase card. They aren’t getting your business but you keep the account open to keep your credit from getting dinged when you would close the account.

  38. Hawk07 says:

    I have a Chase Freedom card, and I’ve definitely been on the lookout since the Consumerist started reporting this scam.

    It’s kind of interesting that they would do this considering they have the option to select the day I wish to pay my card every month option like others have mentioned.

  39. ancientsociety says:

    Saw that Frontline doc on PBS awhile back and forgot about it. Thanks for reminding me.

  40. warf0x0r says:

    @kalmakazee: WTF do you sell?!? I have to know now!

  41. JiminyChristmas says:

    @SOhp101: Mmm, maybe. Definitely check the fine print on this one. When I have encountered this in the past the changes in terms have sometimes included a clause like “your continued use of the card constitutes acceptance of the new terms.”.

    Ergo, you can decline the change and pay off your balance on the old terms if you are carrying one. However, make one new purchase and the changes are going to apply.

  42. kindall says:

    Chase’s Web site has an option to automatically make payments on the due date. I’ve carried a balance at 0% with them and never missed a (minimum) payment. And when the rate went up, I just switched it to pay my balance in full each month.

    Bank of America did screw me over, though — I set up automatic payments, and if you went into the account on the Web site it said “automatic payments activated,” but they didn’t actually process the payment. They removed the late fee but ended the 0% balance transfer rate on the account — and refused to drop it even though it was entirely their fault.

  43. TMurphy says:

    I don’t know much about credit rating calculations, but I would assume opening and closing cc accounts would drop your score fast. Otherwise, I think it would be interesting to get lots of people to create and terminate Chase accounts frequently, just to mess with them.

  44. FightOnTrojans says:

    Man, every time you guys post one of these horror stories, you send me scurrying to my credit card websites to check to see if they did this to me. I did a couple of balance transfers so I’ve parked some debt with two cards that I don’t use so I could pay them down with little or no interest. However, one late payment, and I know I’ll get socked with the default APR, so I’m kinda anal about it. What’s even worse is that one late payment on one will cause both cards to go up to the default APR (according to the fine print). So far they haven’t messed with me, but I’ve got my eye on you, Citibank. Grrr… can’t wait to free myself of the credit card demons.

  45. Crazytree says:

    Chase has F’ed me many times with this due-date-changing CRAP.

    F’ing hate Chase.

  46. sixseeds says:

    If there’s a Chase branch in your area, you can pay your credit card bill there and they give you a receipt. I’m not crazy about them, but from the stories here it doesn’t seem like other credit card companies are much better.

  47. kingdom2000 says:

    I cancelled my chase cards years ago for their intentional attempts to force late payments. My problem was when I got the bill, usually only a week before the due date. Basically if I didn’t pay the bill the day I got it, it would arrive late. After the first time I started paying attention to the recieve vs due date and noticed the pattern. The second time it was “late” I payed in full and cancelled all the cards. I haven’t had a late bill since.

    I also demanded they add me to the do not contact list and I haven’t received a single offer from that crappy company in years.

  48. SOhp101 says:

    @JiminyChristmas: YMMV, but most credit card agreements state that when they decide to change the terms, you have the option to decline and continue your old terms until your card expires. You’ll probably have to ‘remind them’ about your rights; it’s funny how they conveniently forget when it’s something to your advantage.

  49. kalmakazee says:


    I sell used condoms, lol. (Just Kidding).

    I have sold just about everything. I am only 25 and I know every trick of the trade. I have always been successful because i never ever rip anybody off. I don’t care how big the sale is or how much profit I can make. In the long run the person who is honest always comes out on top. Someone that is dishonest may get you once but in the long run A) You will never return B) You will badmouth that company to everyone else.

    If you are honest (even if it means giving someone a bit of a better price in the long run you will always be the winner because A) the person is likely to return in the future and B) Word of mouth is the best advertisement.

    I also have a website but I don’t know if Consumerist allows us to post it in here.

    If you would like to take some lessons on how to be a GREAT salesman then here are my fees.

    1 Hr – $100.00

    2 Hrs – $250.00

    Is that a deal or what?, lol.

    Just teasing. :-D

  50. kalmakazee says:


    I hope you didn’t get offended when I made the comment about women getting their periods. It was meant more as a joke and not to offend anybody or any women. :-)

    If you need some good ways to make a sales rep laugh on the phone I have much better ones than the one I posted, lol. :-D

  51. quail says:

    Has this topic come up before? I’d bet if people researched it closer they’d find that more credit card company’s play with their dates.

    Back when I still sent out checks I noticed that my bills with RBS, and Capital One began to arrive only 5 days before the due date. Later, when I did everything online the same paper bills began arriving some 20 days before the due date. After only a year of paying online the due date for my Capital One mysteriously moved up two days.

    All of these things scream that they were trying to trip me up and create late fees for me.

  52. fugly says:

    that’s realy funny, since most americans think the brits don’t know squat about CS :)

    (it’s only really true in out catering industry since the pay sucks and most managers don’t let the staff directly keep tips)

  53. melmoitzen says:

    After watching all 56 minutes 8 seconds of the Frontline special and witnessing changing due dates on my bills, due dates on a Sunday, etc., it’s fairly obvious that the CC companies are trying to trip you up into late payments. Maybe there’s even a little conspiracy there between the card issuers to put you into “universal default” status, as they all seem to benefit when you are.

    The first thing every credit cardholder needs to realize: If you’re relying on USPS to deliver your bills from and payments to creditors in a timely manner, you will wind up in universal default at some point in your life. While their incompetence is not intentional or motivated by greed like the CC companies, USPS is your worst ally in the credit card war. Make sure you are not only paying, but receiving your bills electronically as well. That is the only way shrinking grace periods can now be managed effectively.

    The bottom line is that the agreement that nobody reads pretty much gives the card issuer the legal right to do whatever they please. If you call and gripe about an unfair late charge or interest rate that was improperly reset, they may refund you or make an adjustment. But 99% of the time it’s not because they’ve acted outside the scope of what you’ve agreed to (but haven’t read), but simply because they don’t want to lose you as a customer.

    In 25 years as a CC holder, I’ve been extra-vigilant to ensure I’ve never been late on a payment. And I never have. When I’m expecting a bill on the 10th of the month and the 11th comes and the bill hasn’t arrived, I am on the card’s website to pull down a copy.

    Anybody who’s serious about using credit cards needs to be extra attentive to every detail, especially one as basic as the due date. I agree that Chase and other issuers are doing everything in their power to trip me up within the scope of the unilateral agreement I haven’t read. My best revenge is to beat them at their game, and by doing so, enjoy the benefits they offer–nice rebates and a free loan of money every month. That these benefits come at the expense of those paying $39 late fees and 30% interest rates, so be it. Do whatever it takes to pay by the due date, and kwitcherbeefin.

  54. kalmakazee says:

    @ Fugly

    Maybe my big mouth did a good job getting me outta the mess that i didn’t even start? Or maybe Santa was watching over me a little early this year, lol. Who knows what the reason is but I ain’t complain’. :-)