>Kiss it, [insert name of credit card company here]!

>”What is your name?”
“Elizabeth W——-.”
“Thank you for calling. How can we assist you today?”
“I want to close my account.”
“Is there a reason you want to close it? Any problems?”
“No, just working on getting out of debt and this is our last card to close out of six.”
“Congratulations on paying off some debt. I would like to remind you that your card has no annual fee and you have a nice credit limit of $9,000.”
“No thanks, I would just like to close the account.”
“Okay, I understand. I would also like to remind you that you might want to keep it at a zero balance and just keep it open for emergencies.”
“That’s why I have an emergency fund. I would like to close the account please.”
“Okay, I understand. The account is closed and thank you for your business with us over the past four years.”
“Thanks! Have a great day.”

I used to get angry when I called customer service to close the account because of their persistence. This time I almost laughed all the way through. I forgot to ask about written confirmation, and also that it would show up on our credit report as closed per our request.

How do these people sleep at night? I guess most of America does not consider credit cards to be an issue. Really, if one has the responsibility to pay them off, then it’s fine, right? Not for us. We are both spenders. Dave Ramsey says that there is a spender and a saver. Hmm. We both like to spend money.

The guy told me to cut up my card. I didn’t get a chance to tell him that we did that eighteen months ago when we kissed that way of life goodbye.

I’m glad that at JoAnn’s, all we ask people to do is sign up for coupons through the mail. There’s no way I could ask people to sign up for a credit card.

Consider these verses:

“The rich rule over the poor, and the borrower is slave to the lender.” Proverbs 22:7

“Let no debt remain outstanding, except the continuing debt to love one another, for he who loves his fellowman has fulfilled the law.” Romans 13:8