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Tuesday, September 15, 2009

What part of "no" don't you understand?

If there's one thing that's incredibly frustrating in life, it's when you don't think you're being heard when you want to be heard. In hopes of steering this away from a vanilla vague philosophical matter, I say that because of a recent run-in with online ID theft.

I love the bank I work with. They are very reliable and helpful, and I was surprised how quickly they responded to an apparent fraud on my account. Somehow somebody got a hold of an old credit card number of mine and tried to set up an account on a dating web site. My bank's fraud department immediately called me because the card number expired well over a year ago.

While all that's well and good, the deal is, this was a card I never wanted, and when I was offered it, I flatly said "No." But they still sent me one.

Compounding this, while depositing some money earlier this year, my very friendly teller started to give me the pitch for another one of these cards. When I kinda-politely cut her off and said no, I told her and her manager that I have never wanted more cards than the ones I already have.

Why I'm so anti- on having more cards is that frankly, I don't need them and I'm very, very hesitant to dig myself a grave of deep debt. I've seen debt ruin people's lives for many years, and I don't want to be one of those casualties.

But what's really the point at hand is that I've tried multiple times to cancel this unwanted card in the first place. And the deal is, nobody at my bank seems to really get it that I don't want the card. It's as if I go mute for the few seconds I say I don't want the card.

And I wonder why people get into horrendous debt in the first place.

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