I want to thank you very much for getting your hooks into me with your credit card while I was in college. I also want to thank you for the continuous upping of my credit limit even though I was a waitress and made roughly $24k/year while going to school.
Now, I don't mind if you want to thank me for finally paying off this monstrous debt this month. Please forgive me for wanting to cancel my credit card. Why is it that I want to cancel this card? Well, two years ago when my husband and I had made about 11 months of triple the minimum payments and called to sweetly ask you to lower the interest, you refused. Apparently rules and regulations (that I agreed to when signing up for the card, you were sure to tell me) state that you must have at least six months of on-time payments. So we were two weeks late ONE SINGLE MONTH and you weren't able to help us.
What was that? Oh, NOW you are able to offer me a much reduced interest rate since I have been SO diligent in "cleaning" up my credit? Where were you when I needed you? How very patronizing of you to refer to my poor credit of the past.
Until there is a human factor in your company making some spur of the moment occasional exceptions to the rule, then you can stick your reduced interest rate (hello? Interest on zero dollars is still 0%) up your reduced ass. Oh, it doesn't pay to be human or make exceptions? Then let me explain it a little clearer, my credit union seemed to understand this: People, especially in their 20s and 30s are nothing but equity to you. We grow up and buy cars, houses, get insurance, have kids, get them student loans, make house improvements, buy expensive furniture and in general get into more than the debt that a simple credit card can rack up. I hope you don't mind if I write you a little love note each time we buy something expensive and finance it through some other banking institution.
Speaking of that, we JUST bought a Vanagon last Tuesday. We also bought this house just a year and a half ago. We have to have our roof redone sometime soon and we are planning on adding to the house when we do it. Even if you had the lowest rate possible and did all the work and paid all the costs and in FACT came to our house for every bit of the paperwork, we would NEVER, ever, ever, ever, EVER use Bank of America, again. We learned our lesson.
So you can take your patronizing attitude and your lower interest rate and your credit card and you can fuck right off. I am sure you are too busy chasing after other poor college students to pay this letter any mind. Too bad.
Sincerely,
kerewin