I've used credit cards since I was a teenager. I always get cards with zero annual fee and always pay them off at the end of the month. Anyway, I just canceled one of my credit cards today. Why? Because they kept calling me and calling me and calling me about some other "deal" they thought I'd be interested in buying. Most of the time they would call me at dinnertime, but sometimes they would call as late as 10:00 p.m. I called them to ask them to stop on at least 3 occasions and they never did. When I mentioned I was on the Do Not Call registry, they said "since you have an account with us, we can call you anytime we wish." Not very nice. So they asked me why I would cancel a credit card with an interest rate below 6% and years being in good-standing with them. I told them they wouldn't stop calling. They asked if there was anything they could do to keep me. I said, "No, we've already been down this road. Anyway, I've already acquired another card to replace yours so it's a done deal." The lady then sounded somewhat indignant and said that if I ever wanted to open an account with them again, I would not be able to. I said, "That's fine. I get at least 1-2 credit card applications a week in the mail. I won't ever have a need to use your services again." As I get closer to 50, I'm really getting grouchy, aren't I. The next thing you know I'll be telling the neighborhood kids to get off my lawn. One more thing. The lady said there may be some follow-up calls. I asked why? She said it just might happen. I told her never to call me again and since I'm on the Do Not Call list, I'd probably find a way to press charges. She said that I wouldn't have any legal standing to do so and there was no need to threaten her. I told her I wasn't threatening her. I was just telling her what was going to happen if they continued to call me. Wow, I'm grouchy. Now that I've gotten that off my chest, I feel better.