I received my annual fee for the new credit card my wife and I recently applied for. We are traveling a little more often these days so I took someone else’s advice and tried to get a VISA card specifically for the purpose of racking up a few thousand free airplane miles.

The interesting part of this was that my wife doesn’t work and she received immediate acceptance. On the other hand, I was rejected even though my income is very high and my credit score is about 10,000.  You get the point. I was asked to send them a copy of my telephone bill.?

So when the card came, we said no thank you and promptly shreaded it. That didn’t keep the annual fee from showing up at the mailbox. No problem, I will just call them and tell them the above story.

I couldn’t get past the first operator at Citi Bank because I wasn’t the principle credit card holder (shreader). My wife couldn’t get past the second operator because she couldn’t tell them our password-which was the name of our favorite pet.  

“We don’t have any pets,” she (we) told them. No dog, no cat, no bird, and no fish. After arguing with the next operator, who spoke some language between Japanese, East Indian, and Spanglish, I finally took over the conversation for the last time.  

Well, let’s just say I might be getting another annual fee but it isn’t ever going to get paid. There goes my credit score.