I received a new credit card yesterday to replace an older one. I always dread calling to activate new cards because I always seem to get someone who talks really fast and tries to sell additional services. You say no and then they read another script worded a little differently to try to seal the deal.
I didn’t get a fast talker this time but I did get a persistent person trying to sell me a program that would make my monthly payment if I lose my job, etc. The charge for this program depends on the balance on your card and this card is the one with the last of our credit card debt.
I’m not interested in a program like that and told the woman, “No thank you.” She went on again. I said, “No.” Then she got a little personal. “Do you have anything that will pay off your balance if you happen to lose your job?”
I am not a quick thinker. If my fifth grade teacher hadn’t of zapped the word, “Um…” from my vocabulary, I would be saying it all of the time (thanks, Mrs. R!). I don’t know where it came from, but I had a quick answer for her…
“My emergency fund.”
Dead silence on her end. I don’t think she expected to hear that. I didn’t expect to myself to say that! After a few seconds, she said, “Ok.” She didn’t discuss the program again and our call ended shortly after that.
I know we have more in savings than credit card debt. The whole thing is still a little surreal even though I’ve written about it on here and discussed it with my husband. Saying it out loud to someone else other than my husband made it really sink in. I can definitely understand why some people who have paid off their debt call into a radio show to yell that they are debt free.