By the time we'd finished our stint at Tower, though, I had to pee so badly that I thought I was going to wet my pants. By this time, too, I was tired of hinting that I wanted the night to end and pseudo-flat out said, "I'm ready to call it a night, but if you two really want to do something..." --You know, how you sorta apologize for your opinion: "I think this, but... or I like this, but...:"-- Wayne, however, didn't get the hint and asked if there was anything else (like clubbing) that we could do. I know he was excited about being with Rob and me, but at the time, I was doing all I could to stop myself from saying, "Okay, I'm going home now. Good-bye." So I once again said how I was tired and had to pee, then Rob interjected to say how everything closes early in Boston. Eventually, Wayne agreed that it was time to call it a night and Rob volunteered to take Wayne back to Copley so that he could find his way back to where he was staying. Ddon't get me wrong, Wayne was far from a bad guy... but I didn't have any interest in prolonging the night.
And so, we took him back to Copley, Rob gave Wayne his e-address, and then we said good-bye. Rob and I then came back to my apartment and I started writing this... and now I'm wondering how Wayne will take it.
October 31, 1995
I just finished dealing with BayBank on the phone and I'm pretty frustrated right now... but first, you need to know a few things:
Since lately I've been writing more than 8 checks a month and I knew my annual fee would be coming up, I thought it would be wise to switch to the Classic Value package. I called BayBank earlier this month and told a service respresentitive. She acted as though my request was routine and when I mentioned the annual fee, she said that she would make sure it got credited to me.
- BayBank offers different "packages" with different services.
- The Student Value Package which among other things includes 8 checks a month for $6 (with each check over 8 being charged $0.75) and a Mastercard/Visa for a $21 annual fee.
- The Classic Value Package which among other things includes unlimited checks per month for $10 (for a combined minimum daily balance of less than $1500) and a Mastercard/Visa for no annual fee.
- My September's BayBank credit card bill said that my annual fee would appear on this month's bill.
It did not.
So this morning, I called the 800 number and aftering being on hold for what I was automatedly told would be approximately
six minutes, I spoke to a human being. I explained what had happened and she seemed to understand, but then she said I would
have to talk to sales about changing my card from a student mastercard to a classic mastercard. "Okay," I thought to myself, not
really understanding what the difference is. They look exactly the same; why would I need to talk to sales? I wasn't asking for a
credit line increase. I didn't want anything except to get the annual fee removed like the brochure says and like I was told would happen.
After a couple seconds of waiting, I'm told I'll be transferred to Alan in sales. He answers and then proceeds to ask me question after question... social security number, address, previous address, income, etc. etc. I was then put on hold and when he came back, he said that I had a too high debt to income ratio. DUH!!!! I then started getting angry. I knew I didn't have the requirements to get a new credit card, but I didn't want a new credit card. I was just trying to get the annual fee removed!!!! I explained as much to the man and again he said how I didn't have enough work experience. By this time, I'd raised my voice and was loosing all patience. I said how I couldn't see the point of me reapplying for a credit card, that I wasn't wanting a new credit card, and eventually asked what should I do now. "Are they going to take this credit card away?" is what I was really thinking.
Just keep that card for a while until you get a higher income. What! This was insane. The only difference between the two cards was a checked box in their computer and a $21 annual fee. I gave up and hung up.
If I had the money to pay the card off, I'd slice it in half, write a really nasty letter, and mail it to them right now.
© 1995-1999 Justin Clouse