I'd like to interrupt my usual creative posts with a vent about the credit card industry.
It seems that if you have an account with MBNA, when you pay your bill in full, you haven't REALLY paid your bill in full. Last month, I paid off the entire balance of my account (or so I thought) before the next billing period. Because I did it over two payments, they decided to charge me for every single day that I had a balance on the account. I got a bill in the mail for $8.20. Instead of help from their call center, I got condescending attitudes and two loads of crap from a call center employee and her manager. In response to this shoddy treatment, I would like to share with all of you a letter I just wrote them which will accompany my last payment to MBNA.

January 3, 2005

MBNA "America"
PO Box 15289
Wilmington, DE 19886-5289

To Whom It May Concern:

Enclosed is my last payment of $8.20 for the account referenced on the bill.
I would like to take this opportunity to tell you that MBNA is by far the absolute worst credit card company I have ever had to deal with. When I called your call center, I received, instead of help, an overly patronizing explanation and attitude from your call center employee and your account manager regarding this balance.
In the future, you should communicate clearly to your customers that even if the balance is paid in full in the span of your monthly statement, you’re still going to fuck them in the ass for every blood-red cent of interest you can squeeze out of them. I shall tell all of my friends and acquaintances, as well as the world at large with the help of a blog posting, that MBNA is nothing but a den of thieves cleverly disguised as a bank. I hope all of your jobs are outsourced to India and you all collectively end up in a welfare line in oh-so-exciting Wilmington, Delaware, whose motto should read “Speed Bump To Someplace Better”. Take your $8.20 check and stick it up your collective asses.

No Thanks,
John Paul Spencer

I feel better...........you?