This is a little chunk of my most recent discussion:
"I see you don't have our XXXXXX visa, would you be interested in signing up for one today?"
"No thank you, I already have a credit card"
"But this is an excellent card. If you do any travelling and rent a car with it, if you get in an accident the card covers the insurance for you"
"I understand that, but I'm not interested in another credit card"
"This card has a lot of other perks as well that you might be interested in"
Seriously, I just want $5 and $10 bills, leave me alone.
"What is the interest rate on it?"
"That's too high"
"But if you pay the card off every month, you don't have to pay anything and the rate doesn't matter"
"It's more a matter of principle"
Okay, so right now it's not strictly a matter of principle, but in general it is. 19.9% is just greedy, especially when you contrast it with what they pay you in a savings account.
"We also have a low rate card you might be interested in. The rate on it is 11.9%, and the annual fee is only $20"
"My existing card is 12.9%, and I don't pay an annual fee on it"
"Which bank is that with?"
"Oh. I'll have to leave a comment in the notes about that"
Seriously guys, I know you can see right on the screen that I have a fairly healthy chunk of debt with your bank, why push it?
Okay, chances are your supervisor is making you do it, but still.
It used to be hard to apply for credit. Now it's hard to avoid having it pushed on you. I just wanted small bills.
The more the banks push, the more I want to pay the debt off NOW so that I have less of a reason to deal with them. I know a lot of people who are getting pissed off at the banks right now over it. One guy told his bank that if they don't stop calling him and pestering him to sign up for things he's going to close all of his accounts and go elsewhere. One of the girls I hung out with this past weekend got a message on her answering machine from her bank saying it was very important she call them back. When she did, they tried to sign her up for a credit card. Seriously? Call me saying it's important if someone has tried to drain my accounts, not because I don't have one of your credit products.
Banks, if you're reading this, PISS OFF!