What moron thought up this?

Like most people (unless you are one of those weird ones) I hate paying bills. They always get paid, I just hate paying them. I actually dread having to open up the online banking somedays and seeing the balance and thinking okay, what needs paid this week. Why, I'm not sure, cause there is money to pay it, but I am always worried about what "could" go wrong that we need money for. I think alot of it has to do with growing up in a single parent home with an extremely private proud mom who would never ask for help even if she desperately needed it, cause she was the sole source of monies coming in. We weren't dirt poor, don't get me wrong, but the cup definitely didn't overfloweth, know what I mean? That, coupled with some of our own issues we had a couple years ago, has made me pretty tight with the financial reins. My husband likes to tease me that I am so cheap I squeek, which he, of course, follows up with sqqqqqeeeeeeekkkkkk sound effects. Even my kids know this (and make sounds, rotten brats). So as someone who does concern themselves with "what ifs" (unlike my beloved husband who is of the mindset just *&^%ing spend it) imagine how exciting it was to open our Visa bill today and see the delightful new addition to their billing "notices". They have now added a notice heading at the bottom of the bills that is entitled "Time To Pay" where they so kindly let you know that if you continue to make only your minimum payment each month that it will take till THE DAY YOU DIE to pay off your bill.

And my kids thought I wasn't leaving them anything.