Here's the deal: you are a credit card. You make it so I don't have to carry cash, you threaten me with 28% interest if I don't pay off the balance monthly, you offer some cheesy loyalty rewards that are just out of my reach, but I'll keep trying for year after year. Maybe if you play nice and stick to those rules I'll even put up with the ads for your crappy ginsu knives and cd player that looks like an olde time radio you stuff in my bill every month. But if you don't shape up it's game over. I can pay cash, I can shop elsewhere. I hear the internet is a wide open space of people just waiting to sell me stuff, and guess what? It comes right to my door!
Oh, and financial institutions - you'd better be listening too, you aren't that far behind with the crappy offers. And really? Do you have to call at dinner time? Considering you are only open from 10-4 why is your call centre all ramped up at 6pm?
