So I was paying bills last month and in perusing our credit card bill from a nameless three lettered credit card providing company I discovered that they had decided to raise our interest rate - A LOT.

This card more than any other that we have does nothing for us. There’s no benefit to having it other than that it exists… So I decide to dig into our savings and pay it off and close it out that way we don’t have to pay them a crazy high interest rate for no reason. Fine right?

Except that the very day after I discover that they jacked up my interest rate I get a letter from nameless three letter credit card providing company stating: “Congratulations! Due to your stellar credit history we’re raising your credit limit by $8k!” Come again? First you raise my interest rate a lot, like 5% a lot, then you DOUBLE my credit limit?!?! WTF!

But that’s not all… Oh no, first I pay off the balance on the card and wait for the payment to clear. Then I call them up to close the account. After telling rep #1 twice to close the account I’m transferred to another representative; this one in the recovery department or whatever the heck they call it. Rep #2 wasn’t going to take no for an answer - heck he didn’t want to take “CLOSE MY ACCOUNT” for an answer either. He offered low balance transfers, super low teaser rates, and even was willing to lower my interest rate by 6%, he might have even said that I was making his puppy sad, and that by closing my account little orphans in East Kersplakistan were going to starve….

After telling rep #2 to “CLOSE MY ACCOUNT” for the 10th time, I decided to add the extra prod: “Look pal, just quit wasting both of our time with these games, abandon your script because there’s nothing you are going to offer me that isn’t going to make we tell you anything other than CLOSE MY ACCOUNT.” So finally we get the account closed.

End of story right… not really…

Yesterday I got the confirmation letter from nameless three letter credit card providing company that they had indeed closed my account. Today I got a letter from nameless three letter credit card providing company telling me that they have RAISED THE CASH ADVANCE LIMIT ON MY ACCOUNT!!!! Oh and here’s some CHECKS so you can get cash and pay it off plus 23% interest on that cash too!

Not that I was going to get rid of it - but I think I’m going to want to make sure I keep that letter confirming that the account has been closed ;) ….