I paid off my Providian/WaMu credit card yesterday and called to cancel it this morning.

This card has had anywhere from 21-31% interest (The current interest rate was 31%) for the duration of the time I've had it. I called repeatedly to ask them to lower the rate, but I was always told there was nothing they could do for me.

This morning when I called it in to cancel, of course they asked why. My reply was, "Because 31% interest is greedy and malicious and I no longer do business with companies that lack integrity." The representative was speechless. So then I replied, "Don't take it personally. I'm doing this with all of my credit cards."

Dave Ramsey, thank you, thank you, thank you!