Wowee, people here can get way too analytical and too serious sometimes, too. She said early on (right after I said, "DI, don't you know how this works?") that she realized it was her own mistake, or lack of forethought to blame. And she probably didn't expect a reversal of a fee but would have liked it - I've had fees reversed just by asking, too - not often, but once in a great while. (I'm very sure I've had more fees reversed than paid because I'm just that careful and rarely generate fees, but I also hate paying them when I do **bleep** up. Occasionally I realize I just have to eat the fee and don't even request clemency, but sometimes I do ask, and I might get annoyed at the "no" answer, especially since I typically have an otherwise spotless record with all companies.)
I'm sure she had longstanding contributing reasons to being "done" with the card, and that last one was just the last straw. A similar example: I put up with and have a great relationship with several companies I consider "loan shark" companies. They haven't done anything "unfair" to me other than charging me way too much interest. If/when they try to nickle and dime me, even if it's because of my own doing, and if I am in a position to move on, I'll be glad to do so. I'll part ways eventually, either in a friendly manner or with some parting words, from GE Money Bank and Merrick sooner or later. HSBC may or may not be in for the long haul with me.
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Too many accounts; too many debts; lots of open credit, and lots of utilized credit. Scores somewhere in the 600s - I have no earthly idea exactly what number, but not 700 like it was, briefly.
