Today, there are three kinds of people: the have's, the have-not's, and the have-not-paid-for-what-they-have's. ~Earl Wilson

I post this awesomely unflattering picture of me only because I am so happy to say.... Nate and I are debt free! No more credit cards for us! I cancelled my discover card the other day and the lady was so snotty to me. The conversation went something like this.

SL (Snotty Lady): If you are going to cancel your discover card today can I ask what other kinds of credit cards are you going to be using?

ME (well me of course): Ummm I think that is really none of your business. (well, is it? come on discover get your nose out of my info.)

SL: (from now on spoken with much more attitude) If you decide to cancel this discover card today you will never, ever be able to get another one.

ME: (extra cheerful) sounds good to me.

After this there was several more minutes of unsolicited talking about how great discover was and how stupid I was being for actually cancelling my credit card. There were are you sures? and you cant come backs? and we can offer you better do you want better?

Finally ME: I just want to cancel the card without anymore questions and without you trying to talk me into staying.

SL: Fine, Have a great day

Me: Oh yeah I need it in writing.

SL: Fine, Bye

Ahh it feels so nice to not have that monkey on my back.

And the funniest part....

Four days later I received a letter in the mail from Discover offering us a lower interest rate if we would just consider coming back. What is this? I thought that I could never, ever get a discover card again.

I leave you with an awesome letter that my husband wrote and it made me laugh.

To whom it may concern:

We regret to inform you that after a careful review of our financial situation, we have decided that your company no longer has our family’s best interests at heart. As a result we have decided to close our account immediately.

We understand that you will not be excited to lose this account as you receive thousands of dollars a year from us in interest and fees. Unfortunately we can no longer afford to pay you this amount. We know that you are probably very concerned about our ability to survive an emergency and will advise us to keep the account in case of such an emergency. Be at ease. We currently have more cash in savings than you offer as a credit limit so your hedge against such disaster is not needed.

You may decide to offer us various benefits to stay such as raising credit limit, lowering interest rates, or increasing rewards. Please know that this will not work. Any offer you give to us will result in this counter question, “Can we send you 10k and you pay us the interest.” Obviously you will not agree. I can negotiate any discounts I may receive from hotels, airlines, rental cars, etc.

As a severance package I would like to offer you the following:
A link of chain to signify the millions you hold in the bondage of debt, one brick to represent the thousands of homes people have lost because of your company, and one pair of plastic handcuffs as a metaphor of the illegal collection practices your company participates in on a daily basis.

I advise you to close this account quickly. Any loss of our family due to the amount of revolving credit on our credit reports will result in swift legal action. I strongly urge you to close the account immediately, report the closure to all credit bureaus, and send us written confirmation.

Sincerely,
Jessica and Nathan Musil
Unsatisfied Customers