About a year ago I went to one of our local department stores to pick up some makeup. While I was there I headed to the clearance rack to look for any great deals. If you know me you know I am all about clearance racks and thrift store finds. I found an item I loved and the price was great. I headed to the cashier to check out. In order to receive an additional discount, I needed to use my department store card. I have had this card since I was 18 years old. It was my very first credit card. I kept this card because I have always bought things on my department store cards and then paid them off. (It is the big bank cards that I accumulated a large amount of debt. I guess those are the ones you "do life" on. The department store cards are my splurge and I have always been very disciplined with them.)
Anyway, when I ran the card it said it was declined. I knew something was wrong. I very rarely use the card, so I thought maybe that was the issue. I called the company immediately and inquired about my card's status. The first person couldn't tell me anything, but then I was connected to the main customer service person. The gentleman asked me a series of questions and then we got to the issue. He asked did I know a card through the bank that managed the department store card had not been paid since July. I told him no I did not. I always pay my bills and pride myself on not being late, even when I was struggling the most I would pay something on every bill. He then asked me if by chance had I enrolled in a debt consolidation program. I told him yes. He then went on to explain exactly how these programs work on their end. This is where God shows up big! He was once employed by a debt consolidation company. He could tell I was very distraught that my bill had not been paid. He paused for a moment and said I know this may be difficult to hear, but you are doing the right thing and it will all work out in the end. ( Side note here... he explained to me that even though my debt wouldn't get paid until negotiations took place and until agreements were made no money would be exchanged. I just stood there for a minute realizing what the person from the debt consolidation company had stated about your credit score possibly declining before it would go back up was happening to me.) I was physically sick. I went back to the cashier and told her I couldn't use my card and I would pay cash. She could see I was upset. She smiled and added the discount to my purchase. Then she handed me my bag and said it will all work out. I almost broke into tears right in the store. I could feel God all around me. He had sent people to reassure me at that very moment.