0.46

$0.46. That's the amount that was owed on my credit card. A credit card that I don't use.

(Dave Ramsey anyone?).

My McAfee antivirus is scheduled for automatic renewal, and I plum forgot that it was attached to this unused card. So, after a $15 late fee and a letter stating that they couldn't get in touch with me, I realized that maybe I should take a look at the account. I shell out the $50 balance and make a mental note to check on any finance charges that may appear after the payment (they always do!).

So today, I log into the account and my balance shows a whopping $0.46. I go to make an online payment and the stupid system won't let it go through for less than $1.00. Hmm...why would I pay more than I owe?? I'm not planning on using this card as a savings account, so I call the company....

After canceling my attempt at phone payment (that included a fee of $15!! -crazy person say what??), I quickly pressed '0' to speak with a live person. While twiddling my thumbs, I listened to some groovy elevator music for a good 5-10 minutes. All this time, I'm preparing my case, going back and forth on what route to go.....do I stay pleasant and ask nicely? Do I sound professional and commanding? Do I cry and tell them what an injustice this fee is?

After the eternity of hold time, I finally get a gal on the phone. We will call her Gladys. Ms. Gladys was very pleasant. YEAH! I got a nice one. So, I simply say, "Gladys, I think it is silly to mail you guys a $0.46 check. Can you help a girl out??" My BFF then quickly giggled and said, "No problem, we will credit your account." She even mentioned the fact that it would be silly to waist a perfectly good check on $0.46.

I 'heart' her.