An unwelcome drift

I have been attacked by the mail box. No, it is not a crush of Christmas cards.
It seems that my electronic bank thought it would be a great joke if they held up the delivery of two credit card bills by one day. The credit cards in question took this error with such umbrage that they upped my % rate by 21% making it right around 30% rather than the 9% it had been and, by doing this they created finance charges which put me over the limit and now rather than owe a combined payment of $98 it's like $700. I suspect they are using the new math but I can't prove it. Now the point of this is to advise you not to do this your self because those credit card people are laying for the tardy individual and even a prudent mariner like myself can strike their iron clad reef of unreasonable rules. I tell you when I speak to these people it is like hearing a Dada piece done in Esperanto. Since many of you never talk to the actual Texino, you may not realize that I have the devil of a time making my self understood. Therefore when I try to discuss my situation, I am taken as a fool or at best senile and the credit devils employ a demeaning sort of small child talk. This drives me mad and after on of these sessions it is not uncommon fo me to take leave of my emotions and fall very far into dark depression. I am starting to wonder just how far you can drop before you automaticly die of shame and dispair. I have considered this option from the standpoint of the British; "For Gods sake old man, just be done with it and let the rest of us real chaps keep the home fires burning and all that." Right now their adive seems very reasonable . On the other hand, there must be a good reason for us breaking away from the crown in the first place. I'll probably give the suicide this a pass and try to work it out some other way. Thats what the prudent mariner would do. So long as you can trust your ship you will weather most storms.