James 1:3-4 – When the way is rough, your patience has a chance to grow. So let it grow, and don’t try to squirm out of your problems.

If you are trying to get out of credit card debt, I would suggest cutting up AND canceling your credit cards as soon as possible. My wife and I worked extremely hard to eliminate the stress that credit cards caused us on a monthly basis. We did not cancel all of them, but we did cut them up so we can’t use them.

Today, we received a statement from American Express. You know, the one where they tell you that they are changing everything about the agreement that you signed. The one where you do not have a choice. Either accept it or cancel it. We chose to call and cancel it.

The American Express operator was unbelievable. She was really, really, really well trained. She tried everything that she could to help us decide to keep this card open. She played upon my wife’s fear of the unknown and our crumbling economy. Her story was so well rehearsed that I thought I would share it with my readers.

My wife made the call, since I tend not to be very polite when I call. She was transferred to three different operators before she got to the “actress”. The actress listened quietly while my wife explained that we wanted to cancel the card. When my wife stopped talking, the operator sat patiently for about 20 seconds before responding.

She then drove straight into a completely fabricated story about how she and her husband bought new carpet for their house last month with cash. When the carpet arrived, it was the wrong color, the wrong style, etc. She then called the vendor to try and get her money back and was told “too bad, too sad….the carpet is already paid for.”

Finally, the actress explained that if she had used her credit card, this would not have been a problem since American Express would have returned her money immediately.

Man, American Express’ training program has really kicked it up a notch. Don’t fall for the game!

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