pushy salesclerks

I closed one of my credit cards last month. It was an old card, and the balance on it has been zero for a long time, but the card had a relatively high interest rate. Yeah, I’d only use it in an emergency, but I’d gotten a few new cards since I had received this one, so I didn’t need it, and due to the high rate, it would be my last choice of cards to use in an emergency. Why keep a card I’m not going to use, when I have plenty of other better options? So I called to cancel it, and man, did they try to talk me out of it! They actually asked what they could do to keep me as a customer…and I said, “give me a 0% APR“…and they couldn’t, so see ya!

I love my credit cards, but I don’t need one I’m not using. I’ve been told it’s quite alright to keep cards you’re not using, because the more credit you have available (that you’re not using) the better you look on paper. I agree with that, but I don’t need 5 or 6 cards that I’m not using, so I was happy to let this one go. Credit is entirely too easy to get, even when you’ve got bad credit, and I’ve improved mine so much that I’m very very careful when making decisions like this.

Oh, and while I’m on the subject, I don’t mind being asked when I’m in a department store if I want to open up a store charge and save 15% on my shopping that day. Really, I don’t mind. What I do mind is a pushy salesclerk who assumes I’m a moron for saying no and tries to sell me on why I should do it. The girls at Victoria’s Secret are the WORST! “You get a free bra! You get coupons!” Yeah, you also get a high rate credit card you can only use at Victoria’s Secret. No thanks! I said “No means no” to the last woman who offered me one repeatedly. I wonder if those salesclerks get bonus points for asking us 2 or 3 times? Now, if it were a cash back credit card, that would be a different story entirely. I do buy a lot of stuff in Victoria’s Secret.

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