everytime I sign into my junk SMS account I feel like I’m hammered over the head with my credit score.
There are so several particular companies monitoring my credit journey that I have become overloaded with all the jargon.
I understand how it can be useful for many credit cards and credit reporting agencies to monitor your spending and make recommendations..… But I’m burned out on all of their privacy over-steps. For instance, last year I received an SMS from my credit card company chiding me for my apparently high energy bill. The credit card company has developed a monitoring system that analyzes your biweekly spending, including your utility bills and home expenses. From there, they make recommendations to reduce your spending and increase your comfort. I’m gleeful to know that they’ve got my back, but I’m not cheerful that they are shaming me for using my central heating and cooling system. I’m well aware that my energy bill was too high last month, and I do not need to be guilted over my indoor air quality preferences. When the outdoor air temperature starts to climb around here, it doesn’t matter how much my energy bill is going to cost. I’m going to use my central cooling system so I’m comfortable all afternoon and can sleep in cool, fresh air at night. I’m sure there is a more cost-effective way to operate my cooling system or a more energy efficient A/C unit I could invest in. I will get around to the routine service appointment with a professional heating and cooling inspector, with or without harassing SMSs from my credit card. No matter how high my utility bills climb, I do not feel it’s up to Capital One to make Heating and A/C decisions for my household.