Breakin' Up

Well, Credit Cards are like relationships. Eventually, you develop a co-dependent style of relationship...but then, you find out there's another one out there that has what you want but don't have. How do you get what you want from your current relationship? Threaten to leave! That's the best way to get what you want, I guess.

Here's a conversation that I had with Citibank at lunch, who after 1.5 years was beginning to look a lot less attractive:

Me: "Hi, I've been with Citibank for a while under the student card (currently at 17.94%) and would like to change to the regular card (currently at 12.94%)"
Citibank Guy: "I’m sorry, I can’t go that low"
Me: "Can I cancel it?"
Citibank Guy: "Yes, I will get you to someone"

:hold:

Citibank Lady: "I hear you are wanting to cancel due to the APR?"
Me: "Yes, I want the deal that everyone else gets"
Citibank Lady: "Ok, well, I can understand that. I will immediately give you 6 months at 0% apr, and then prime plus 4.99 after that, that will get you to a current apr of 12.24%. Would you like that?"
Me: "Sure!"
Citibank Lady: "Ok, I’ll send it in writing."
Me: "Thanks!"

:click:

That was easy! I don't usually carry a balance on that card, it's for groceries and gas and stuff, but it's the principle. I'd like to be able to carry a balance for a month and not pay out the ass for it.

I wonder how many people get raped by these abusive credit companies? Do they go on Maury to say "Citibank Beats Me every night, but I need him. I love him!" or "Capital One has been fooling around on me. They've lost interest in me and decided to up my APR. I can't live without her, what do I do?"

You LEAVE damnit! ;-) Then they will appreciate you!

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