CREDIT CARD BREAKUPI am especially satisfied to say that I am credit-card-debt free. That's right. In one day, I closed the accounts of four credit cards. But it wasn't easy. Besides having to navigate through those insanely long and detailed automated answering service menus for every credit card company I called, I also had to listen to the pathetic whining and abject begging from the actual humans that I talked to. It is amazing how similarly I was treated by each of the credit card account representatives. It was as if they all worked from the same script. Not only that, but apparently the standard procedure is for these reps to pathetically whine and abjectly beg to the point of making absolute fools of themselves. And then, once they realize they are getting nowhere in convincing you to keep the account open, they turn on you and become quite rude and abrupt.
"Hi, I would like to close my credit card account."
This was followed by the standard proof-of-identity protocol. After my identity was confirmed, I was transferred to a special department that handles requests to close accounts. The special department person (i.e. professional whiner-beggar) soon picked up the line and said, "Hello, Mr. Hilston. Is there any particular reason why you want to close the account?"
"Not really. You're just next in line. The card is paid off and I would like to close the account. I'll also need a letter that confirms the account has been closed."
"Mr. Hilston, you've been with us since 1999. You've established quite a history and as a loyal customer in good standing, you also have several benefits attached to this account. Such as car rental discounts, cash-back rewards."
"Yes, I'm aware of that, but I just want to close the account. And I will need a letter that conf ...."
"If you're worried about the interest, Mr. Hilston, we can probably get a better rate for you."
"No, thank you. Really. I just want to close the ..."
"But Mr. Hilston, I'm sure you would want to keep a credit card handy in case of emergency. What can we do to persuade you to make us your card of choice?"
"I have a debit card through my bank that functions just like a credit card, except it withdraws from my checking account. That way I don't go into debt when I ..."
"What about online transactions, Mr. Hilston? Do you ever buy anything online?"
"Yes, but my debit card works like a credit card for those transactions, as well. Will I be able to get that letter of conf ..."
"But you have no protection that way, Mr. Hilston. With our card you don't have to pay for illegal transactions if your identity is stolen."
"But I read somewhere that 85% of I.D. theft is done by someone you know, such as a dead-beat relative ..."
"Well, a friend of mine just had her I.D. stolen from a total ..."
"Look, I appreciate all this effort your making, but I really would like to just ..."
"But you have a history with us, Mr. Hilston, and you can get cash-back rewards when you ..."
"I know, but I still want to close ..."
"Did you know, Mr. Hilston, if you pay off the balance every month, you don't pay any interest?"
"Yes, I'm aware of that, but it's not really ..."
"You've been with us for quite a long time, Mr. Hilston, and there are all kinds of benefits that you have accumulated for having been with us all these years. Car rental discounts, cash-back rewards."
"Yes, I appreciate that. But really, any benefit you could offer me does not compare to benefit of not having this account open. So I ..."
"Fine!"
"I ..."
"Fine! The account is closed!"
"OK, great can I get a lett ..."
"Aletterofconfirmationwillbemailedtoyouin7-10businessdays." [This was said as a single word].
"Um, ok. Thanks for your ..."
"Goodbye!"
Admittedly, I was stunned by how abruptly and belligerently that ended. I did not see that coming. At all. And then suddenly I feeling came over me that I hadn't felt in a long, long time. And like a post-hypnotic suggestion, the words that accompanied that feeling just started flowing out of me. Almost uncontrollably. And although I was talking to dead air, I was inexplicably and irresistibly compelled to keep talking. And found myself saying:
"Ya know, this isn't easy for me either. I know we've been together for a long time. You're absolutely right about that. We do have quite a history together. And yes, what we had was special. We had some great times together. We seemed perfect for each other. I remember how much we enjoyed shopping together. There was that first bed we bought; queen-sized, with the split box-spring that cost an extra hundred dollars. And I couldn't really afford it, but you were there. You helped me cover the difference. And how about that refrigerator with the extra large compartments in the door. Large enough to hold a gallon of milk! But it wasn't just the shopping. There was also that wonderful vacation in Florida. So yes, I remember well those many sweet and precious memories. But something has changed. It's just not like it was before. No, no, no, it's not you. I promise. It's me. I'VE changed. I'm sorry. It's over. Goodbye."