Cancel your credit cards before you die

This sounds like as good advice as don’t rent a casket when you die. It's not just the government... Be sure and cancel your credit cards before you die. This is priceless, and so easy to see happening, customer service being what it is today.

A lady died this past January, and Citibank billed her for February and March for their annual service charges on her credit card, and then added late fees and interest on the monthly charge. The balance had been $0.00, now is somewhere around $60.00. A family member placed a call to Citibank:

Family Member: "I am calling to tell you that she died in January."
Citibank: "The account was never closed and the late fees and charges still apply."
Family Member: "Maybe you should turn it over to collections."
Citibank: "Since it is two months past due, it already has been."
Family Member: "So what will they do when they find out she is dead?"
Citibank: "Either report her account to the frauds division or report her to the credit bureau, maybe both!"
Family Member: "Do you think God will be mad at her?"
Citibank: "Excuse me?"
Family Member: "Did you just get what I was telling you - the part about her being dead?"
Citibank: "Sir, you'll have to speak to my supervisor."
Supervisor gets on the phone:
Family Member: "I'm calling to tell you, she died in January."
Citibank: "The account was never closed and the late fees and charges still apply."
Family Member: "You mean you want to collect from her estate?"
Citibank: "Are you her lawyer?"
Family Member: "No, I'm her great nephew."
(Lawyer info given)
Citibank: "Could you fax us a certificate of death?"
Family Member: "Sure." (fax number is given)
After they get the fax:
Citibank: "Our system just isn't set up for death. I don't know what more I can do to help."
Family Member: "Well, if you figure it out, great! If not, you could just keep billing her. I don't think she will care."
Citibank: "Well, the late fees and charges do still apply."
Family Member: "Would you like her new billing address?"
Citibank: "That might help."
Family Member: "Odessa Memorial Cemetery, Highway 129, Plot Number 69."
Citibank: "Sir, that's a cemetery!"
Family Member: "What do you do with dead people on your planet?"

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Cancel your credit card before you die

Cancel your credit card before you die

Late fees will still apply

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Guest: (3366 days ago)
This is soo typical American
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This is soo typical American
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Guest: Spooney (3329 days ago)
Yeah, ok he was a bit slow, but if you would wish a slow death from bowel cancer to anyone then you are one truly sick person. In fact, person is too strong a word for someone as insensitive as you...have you possibly got stuck on the evolutionary trail somewhere aorund the amoeba stage. I hope that none of your family and friends ever have to go through something as horrible as bowel cancer. You detestable piece of shit!
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Yeah, ok he was a bit slow, but if you would wish a slow death from bowel cancer to anyone then you are one truly sick person. In fact, person is too strong a word for someone as insensitive as you...have you possibly got stuck on the evolutionary trail somewhere aorund the amoeba stage. I hope that none of your family and friends ever have to go through something as horrible as bowel cancer. You detestable piece of shit!
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Guest: JH (3352 days ago)
Just goes to show: there is nothing new under the sun...
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Just goes to show: there is nothing new under the sun...
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Guest: James Smith (2810 days ago)
I suspect this is true. I had an almost identical conversation with GMAC about my mother's credit card. What they really want is for the heirs to just pay the charges. It's called "insensitive greed". I told them literally to go phuque them selves and to take it to court. Never hear another word from them.
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I suspect this is true. I had an almost identical conversation with GMAC about my mother's credit card. What they really want is for the heirs to just pay the charges. It's called "insensitive greed". I told them literally to go phuque them selves and to take it to court. Never hear another word from them.
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Guest: omg omg omg omg dickhead (3458 days ago)
lol i would've loved to hear the recording, what an idiot
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lol i would've loved to hear the recording, what an idiot
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Guest: James Smith (2810 days ago)
I suspect this is true. I had an almost identical conversation with GMAC about my mother's credit card. What they really want is for the heirs to just pay the charges. It's called "insensitive greed". I told them literally to go phuque them selves and to take it to court. Never hear another word from them.
ReplyVote up (279)down (253)
Original comment
I suspect this is true. I had an almost identical conversation with GMAC about my mother's credit card. What they really want is for the heirs to just pay the charges. It's called "insensitive greed". I told them literally to go phuque them selves and to take it to court. Never hear another word from them.
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Guest: jdfifgijherfgmsdrghdrgf (2917 days ago)
lol they spelt city as citi
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lol they spelt city as citi
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Guest: your mom (2884 days ago)
you're an idiot.
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you're an idiot.
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Guest: ReuvenF (2659 days ago)
Well, that's show biz!
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Well, that's show biz!
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williamsjohn333 williamsjohn333 (2703 days ago)
I was tired of paying 25% APR on my rewards card, so I googled a credit-card search engine called LINK . I put in my parameters (one lets you categorize your credit between "excellent" and "poor", another lets you determine what kind of rewards card you want) and was able to easily compare the cards it found for me. When I was ready to apply, I clicked "Apply Now" and was taken directly to the credit-card company's Web site, so it was very secure. They also have an Education Center that helps you figure out how to improve your credit (see LINK ). All in all, a very positive experience. I highly recommend LINK . Read more: How to Negotiate a Better Credit Card Deal | eHow.com LINK Card Deals williamsjohn333
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I was tired of paying 25% APR on my rewards card, so I googled a credit-card search engine called LINK . I put in my parameters (one lets you categorize your credit between "excellent" and "poor", another lets you determine what kind of rewards card you want) and was able to easily compare the cards it found for me. When I was ready to apply, I clicked "Apply Now" and was taken directly to the credit-card company's Web site, so it was very secure. They also have an Education Center that helps you figure out how to improve your credit (see LINK ). All in all, a very positive experience. I highly recommend LINK . Read more: How to Negotiate a Better Credit Card Deal | eHow.com LINK Card Deals williamsjohn333
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Guest: Credit cards are for idiots. (2702 days ago)
Or, you could just do as I do: pay with cash! All you have to do is save and use your cash! Interest rates are 0% with no annual fee! Your credit limit is genius; if you have cash you can by things, if you don't you cannot buy things.
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Or, you could just do as I do: pay with cash! All you have to do is save and use your cash! Interest rates are 0% with no annual fee! Your credit limit is genius; if you have cash you can by things, if you don't you cannot buy things.
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Guest: jimbo (2321 days ago)
Latest comment: And what do you plan to do when they don't accept cash? Traffic tickets in some states must not be paid with cash.
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Latest comment: And what do you plan to do when they don't accept cash? Traffic tickets in some states must not be paid with cash.
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Guest: Robert Smith (3388 days ago)
It reads like a Monty Python sketch. Amazing!
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It reads like a Monty Python sketch. Amazing!
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josephphilip josephphilip (2655 days ago)
That is one complete recite that's for trustworthy. Thanks for pointing us in the direction of this eager resourcefulness slant. ------------------------- -- Credit Card Tips
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That is one complete recite that's for trustworthy. Thanks for pointing us in the direction of this eager resourcefulness slant. ------------------------- -- Credit Card Tips
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Guest: (2541 days ago)
hey man late fees and charges still apply whether your black white dead alive, they dont discriminate, and i like that about them
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hey man late fees and charges still apply whether your black white dead alive, they dont discriminate, and i like that about them
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Guest: Pete Star (3231 days ago)
I agree with Spooney, anyway moving on.... Clearly this is a FAKE conversation, just like the one about the computer tech guy calling someone a thick twat and telling them to take their PC back to the store when ot stopped working in a power cut.
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I agree with Spooney, anyway moving on.... Clearly this is a FAKE conversation, just like the one about the computer tech guy calling someone a thick twat and telling them to take their PC back to the store when ot stopped working in a power cut.
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Guest: aly (2829 days ago)
how do you know it is fake did you know this man personally i don't think so, you little twat. I'm not saying it is true im just saying you can't tell anyone this isn't real
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how do you know it is fake did you know this man personally i don't think so, you little twat. I'm not saying it is true im just saying you can't tell anyone this isn't real
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Guest: El Johnno (3330 days ago)
is there anyway of finding out who this guy is and then interviewing him and asking him what the HELL he was thinking of?... oh, I forgot, they are paid NOT to think. They are automatons. Maybe show the transcript to his friends, family, neighbours. See what they think. These kind of people deserve to die slowly of bowel cancer.
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is there anyway of finding out who this guy is and then interviewing him and asking him what the HELL he was thinking of?... oh, I forgot, they are paid NOT to think. They are automatons. Maybe show the transcript to his friends, family, neighbours. See what they think. These kind of people deserve to die slowly of bowel cancer.
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Guest: aly (2829 days ago)
wtf ur stupid!
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wtf ur stupid!
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