One week until pay day,
bank balance at zero,
one click on the pound banner,
I feel like a hero,
the company accepted
my quick application,
the money transferred
with no hesitation,
six thousand percent,
no longer in small print,
a sign of the times,
ignore it when you’re skint,
six thousand percent,
this mammoth APR,
ensures that my wages,
will not be going far,
on the day in question,
a kindly phone call,
a deferment option,
is presented in full,
just pay the interest,
we’ll carry your balance,
no need to worry,
you know it makes sense,
I decline to pay either,
avoiding their trap,
I cancel my card,
how d’you like that crap?
My credit rating,
long since ruptured,
I cancel also,
my direct debit instruction,
please send me your letters,
your threats and demands,
I’ll recycle them all,
into Happy Bankruptcy cards
No Tall Stories 
April 12th, 2012 at 2:09 am
Welcome to real life..
despite the outcome, love this..
April 13th, 2012 at 1:21 pm
yes, these credit cards \are a trap. your poem captures it well especially with its biting ending
April 13th, 2012 at 3:25 pm
Thanks for reading mate. See you in Oz!
April 13th, 2012 at 1:23 pm
Been there…cut them up…we had no income for about four years. My husband was finally able to find a job…we have decided to continue in credit card lock down…paid off and gone…Cash and Carry!
Peach State
April 13th, 2012 at 3:24 pm
Haha! Yeah, good plan. Cut them up and cut them out!
April 13th, 2012 at 1:35 pm
love this – reality bites ! c’est la vie!
April 13th, 2012 at 3:23 pm
Thank you! Take it easy!
April 13th, 2012 at 2:52 pm
I listened, it is a rap I think, enjoyed!
April 13th, 2012 at 3:23 pm
Thanks for listening! See you around!
April 13th, 2012 at 5:45 pm
Sign of the times, been there too. Interesting subject for a poem. Good job 🙂
April 17th, 2012 at 12:43 pm
It’s very hard to live in this world without a credit card, especially if you want to purchase anything online. Still, I think the world would be a better place without them.
Clever subject matter – frustration, denial, and anger at an unfair system.
April 17th, 2012 at 12:58 pm
I write a weekly column in my local newspaper entitled “The Unemployment Line.” Unfortunately, many who find themselves on the street exhaust all resources and are forced to use credit. This economy is Usury Heaven for the banks. Ah, the banks!
I have one card: a debit card. When the money’s gone, the money’s gone.
Good poem.
April 17th, 2012 at 1:09 pm
Thanks for your comment. Yes, I know what you mean. I just hate the way it’s all so heavily weighted against the lowest incomes. There is a street near me with an unemployment office next to a high interest cheque cashing money shop, which is next to a bookmakers..
April 18th, 2012 at 11:35 am
hilarious! fantastic write up.
April 27th, 2012 at 6:57 pm
Oh, yes. Yes indeed. Well said.
April 27th, 2012 at 7:10 pm
Thank you. See you around the pages!
April 28th, 2012 at 3:25 am
Something many can relate to I’m sure…