Where Credit's Due: Uncollected Anthology

By Stefon Mears

When a god backs your credit card, the rewards are out of this world…

Phil Jeffries, a musician with a very special credit card. Mercury Federal Credit Union. Excellent terms. Low interest. Bonus points for paying the balance every month.

Phil Jeffries, about to discover that those bonus points can change his life.

If he can live with the consequences.

"Where Credit's Due" – an imaginative short story of contemporary fantasy that examines the way ancient gods could survive in the modern world. By Stefon Mears, author of the Spells for Hire series.

• Language: English
• Publisher: Thousand Faces Publishing
• Release date: Apr 1, 2020
• ISBN: 9781393571384

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Where Credit’s Due

Where Credit’s Due

Stefon Mears

Thousand Faces Publishing

Contents

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Uncollected Anthology

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About the Author

Also by Stefon Mears

Even reading the terms and conditions didn’t prepare me for what my credit card agreement really meant.

And I did read those terms and conditions. Every word. See, I was raised by lawyers. My mom and dad, hell, even both my older brothers. All of them attorneys. Only my fearsome willpower – or goddamn stubbornness as my dad called it – allowed me to escape the legal profession myself.

I was determined to make my living playing guitar and singing my own songs. I didn’t mind taking day jobs until my career got going, but no way in hell was I going to go into six figure debt for that day job.

Still, the effects of my upbringing were there. Oh, yes. And one of them was reading every syllable and punctuation mark of anything I was going to legally commit myself to, as well as taking the time to make sure I understood what I read.

Videogames, websites, didn’t matter where the agreement was or what they called it. If it bound me legally, I read its entirety before deciding whether or not I wanted to sign it.

So when I signed the paperwork to set up a credit card account with Mercury Federal Credit Union, I knew I was getting the best rate on the market. And I knew that MFCU would give me double points during any month in which I paid my whole balance.

That seemed odd to me, since I thought all credit card companies made their money on carry-over interest. Still, I figured it was the result of some sort of market research. Maybe avoided defaults at a rate that made up for the lost interest. That kind of thing.

As for the points themselves, the agreement was vague about what they could be used for. That didn’t bother me, though. I hadn’t gotten a credit card for the free gifts. I needed to build up my credit score while I could, because I doubted the irregular income of a full-time musician would look reliable to