You might think getting rid of a credit card in this economic climate would be easy. That's what I thought. I've got a Mastercard and a Visa that I pay off bar a few quid every time I use them; I also had a third one that I hadn't used for two years with less than £100 owing on it that I had been really lazy about paying off as it meant either a visit to the bank or an interminable phone call to their Bombay call centre to pay by debit card. Despite rarely using it, they kept the £18,500 credit limit on it.
Anyway, more than a month ago I eventually took the half hour to call them up and cancel it. They immediately offered me a vastly reduced interest rate to keep it. I said no and paid the balance off, cut the card up and cancelled my direct debt online. End of card. You'd think.
But no. Just looked at a letter than came yesterday; they claim they miscalculated the dating of the new improved interest rate offer and that they owe me 3p. Complete with a statement showing a live account still with an £18.5k limit and a credit of £0.03.
Now what's the betting that when I call them up tomorrow that the 3p credit will be the hardest thing in the world to get rid of?
Any tips, anyone?