You know how every gets those credit card apps in the mail. Well my uncle had received one in the mail for his son. His son happens to be a year and a half old! He thought it would be funny to fill out. He did with all correct info. Birthday in 1998, etc. He even scribbled something in CRAYON where the signature goes. He was approved for $150 credit limit. Yet I was denied my first credit card at 18 years old. That figures.


Do you ever get those credit card applications in the mail that state you have bee pre-approved? Well, I get those all the time. Now that is not really stupid, however, this is. Somehow MasterCard got a hold of my dogs names. A few days ago my dog received a pre-approved credit card with a larger limit that I have. Hmm, way to go MasterCard!


Did you ever get rejected for a credit card? I did years ago. I had just started my new job start out of college. I felt responsible enough to handle my own credit card so I applied for an American Express card. Weeks later I received a letter stating that my job was not good enough to be accepted for the card. Funny enough, I was employed at American Express.


My mom had this credit card that she wanted to close out so she paid her bill for them and then called them and told them to close it. She had something like .82 cents left on the account but they refused to close it and held the account open even though my mom couldn't buy anything with .82 cents. She kept calling them and they still refused to close it. They sent her statements saying she had .82 cents left in the account every month. Finally, five years later they sent her a check for .82 cents and closed the account.


A lady died this past January, and Citibank billed her for February and March for their annual service charges on her credit card, and then added late fees and interest on the monthly charge. The balance had been $0.00, now is somewhere around $60.00. A family member placed a call to Citibank. Here's the call:


Family Member: "I am calling to tell you that she died in January."


Citibank: "The account was never closed and the late fees and charges still apply."


Family Member: "Maybe you should turn it over to collections."


Citibank: "Since it is two months past due, it already has been."


Family Member: "So what will they do when they find out she is dead?"

Follow up:

Citibank: "Either report her account to the frauds division or report her to the credit bureau, maybe both!"


Family Member: "Do you think God will be mad at her?"


Citibank: "Excuse me?"


Family Member: "Did you just get what I was telling you - the part about her being dead?"


Citibank: "Sir, you'll have to speak to my supervisor."


Supervisor gets on the phone:


Family Member: "I'm calling to tell you, she died in January."


Citibank: "The account was never closed and the late fees and charges still apply."


Family Member: "You mean you want to collect from her estate?"


Citibank: (Stammer) "Are you her lawyer?"


Family Member: "No, I'm her great nephew."


(Lawyer info given)


Citibank: " Could you fax us a certificate of death?"


Family Member: "Sure." (fax number is given)


After they get the fax:


Citibank: "Our system just isn't set up for death. I don't know what more I can do to help."


Family Member: "Well, if you figure it out, great! If not, you could just keep billing her. I don't think she will care."


Citibank: "Well, the late fees and charges do still apply."


Family Member: "Would you like her new billing address?"


Citibank: "That might help."


Family Member: "Odessa Memorial Cemetery, Highway 129, Plot Number 69."


Citibank: "Sir, that's a cemetery!"


Family Member: "What do you do with dead people on your planet?"