Credit Cards

Be sure & cancel your credit cards before you die. ( now, that's a hard one to figure out.) Dates are out as this would have happened a while ago. I checked Snopes.com and found that while this is probably a real incident, the actual conversation may not be 100% accurate:


A lady died this past January, and Citibank billed her for February & March for their annual service charges on her credit card, and then added late fees & interest on the monthly charge. The balance had been $0.00, now it's somewhere around $60.00.

A family member placed a call to Citibank:

Family Member: "I'm calling to tell you that she died in January."

Citibank: "The account was never closed and the late fees & 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 & charges still apply."

Family Member: "You mean you want to collect from her estate?"

Citibank: (Stammer) "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." (the fax number is given)



After they get the fax ...



Citibank: "Our system just isn't setup 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 & 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?"


What fun it is dealing with "customer service."

*Thanks, Daryn