“You’re overreacting to routine credit line adjustments,” he said.

“Every family carries short-term balance transfers during the busy summer months.”

“Eighteen thousand seven hundred thirty-one dollars over eleven months isn’t a balance transfer,” I said.

“It’s a secondary card profile submitted under my Social Security number without my authorization.”

Mark glanced over his shoulder at Ruth, who was standing three feet behind him near the corner of the corn crib.

“Mom,” Mark said, his voice hardening into a direct order.