I'm still trying to decide if what I did last night is a good thing or a bad thing! I was opening my mail and had received a 5% off your next shopping trip coupon for Target (from their pharmacy rewards program). I have a Target Red Debit card, which also gives me 5% off. I've been getting all our prescriptions there the past several months rather than Walmart, who I had always used in the past.
I was online on Target's website looking at my pharmacy rewards account info and decided to apply for the Target credit card. I really didn't think I'd get approved at all, but figur if I at least try for something every 6 months or so, maybe eventually we'd get approved for credit and be able to start rebuilding our credit score. I was approved instantly for a $300 limit! Sounds like a reasonable amount, nothing I could get in over my head about, that's for sure.
So, just a little over 2 years past our bankruptcy filing, I was approved for something. Part of it made me feel good, that I'm now considered responsible enough again and part of me said "oh crap, you do not need a credit card". But, I think it might come in handy for these hard to plan for costly prescription changes DH keeps going through, if I am in a pinch until payday.
He went back to the doctor on Monday, after an extended wait to get back in to see him (doc was on vacation). The Lyrica was NOT working, in fact we were pretty sure it was causing him more problems. Over the few weeks he kept feeling worse and his hands got so tight and clenched up he was having a hard time opening them, especially in the morning. Last Thursday morning it was so bad and painful for him he just wanted to cry. I said let's stop the Lyrica. We decided to just stop the morning dose (rather than quit cold turkey) until we could get back in to see the doctor. Within a couple of days one of his hands was doing a lot better. Monday the doctor said to stop taking it and put him back on the other medicine he'd been taking for the past year (that did help some). By yesterday his hands were back to normal (well, as normal as they can be for him). We have to go back in a couple of weeks and then it sounds like the doctor wants to try another fibromyalgia medication. I looked this one up for cost and it's as expensive as Lyrica!
If we keep having to try these meds and I never know when I'm going to have a huge prescription bill (makes it hard to budget) at least I'll have the Target credit card as something I can use if I absolutely need to. I'll also be improving my credit score over time, too. The meds expenses are a given, so I might as well use them to help rebuild our credit to better standing.