A month or so ago I posted about trying to talk my GMAC credit card down from their after introductory rate of 17.99% and when they wouldn't budge I paid the account off with another card that was offering 0% AND no transfer fee. In all the paying off mess I ended up still owing a bit over $2 in accrued interest and sent a check for that amount.
Last week I called to officially close the account. I was once again reminded that I was a valued customer and that they would hate to lose me and probed again as to why I was closing the account. They started telling me of all the benefits and asked what they could do to keep me as a customer. I simply said they could have dropped their rate under 10% 2 months ago. Even after I told them that I was trying to pay off all my debt the person offered to raise my limit. They were following the script so close they didn't hear what I said.
When I finally convinced them that I wanted to close the account for good I was told that I had a 2 cent credit. I asked them to mail me a check. So today I opened a letter that contained a check for 2 cents. Do I cash it? Do I deposit it? Or do I keep it as a reminder of how impersonable the credit card industry has become? Maybe try to cash it once we pay off our final credit card in about 5 months. NICE!