Thank You AFTRA-SAG Federal Credit Union!
When I arrived home yesterday I found a letter from my friendly (read: crooked, shyster-y, all around incompetent) credit union informing me that they had "A Holiday Gift" for me! They would be automatically allowing me to skip my December car loan payment as a "Thank You," so that I might have more money to "take care of all the shopping, traveling, and entertaining that needs to be done."
In calling to find out more, I discovered that this actually meant that the total amount of interest would actually increase! (They were only deferring the principal payment, not the interest. Never the interest.) In other words, they'd be charging me double interest the next month... right when all the bills from the shopping and traveling and entertaining that needed to "be done" arrived!
Thank you AFTRA-SAG FCU. That's the dickiest gift that's ever cost me ninety dollars to recieve!