i have like perfect credit.  not that i'm bragging, its just a fact.  and i may have just f***ed it up. 

so, i just submitted my visa application, which apparently i have to complete in person because they need my biometric information (YEAH.)  and it costs 420 bucks, which isn't bad at all.  but so, lazy ass that i am, instead of going downstairs and grabbing my credit card that has like unlimited credit on it (well not really but about 15 grand more than i need) i grab the card that's sitting right beside me, because its an extra.  while it's not maxed out, it has a very low limit on it (very new card) and it only has 320 in available credit.  now, since it's a capital one card and i have savings accounts with them too, i transferred some money over, thinking it would be an instant transfer (like it is between the savings accounts). 

apparently not, because the payment hasn't processed yet and my card is showing up with $0 available credit. 

AHHHHHHHHHHHHHH


....is it bad that THIS is what really scares me?  having bad credit?

anyway, this also means that my visa application is almost completed, which is the penultimate step to moving to scotland (the job is the final step, but the move might happen first, who knows).  i also don't really know what supporting documents they want from me (it didn't say) but i have to prove that i'm a graduate, and i have no need for public funds, so i guess i'll try and prove those things....

other than being terrified that i just bombed my credit score, i'm pretty excited!