At This (Interest) Rate They’ll Stop Calling You

(I’m very careful with my money and budget, and I pay off my credit card every month. I also shop for and get low interest rates. One day, I get a marketing call.)

Caller: “Hello! I can save you money! I see you have a car loan. I can offer a refinance for only [percentage].”

Me: “That’s nice. I am actually paying 4% less than that. Can you beat that?”

Caller: *slightly deflated* “No, ma’am, but I can offer you a credit card for only [percentage]!”

Me: “Thanks, but I already have one for 3% less. Can you beat that?”

Caller: *even more deflated* “No, ma’am. What’s your home loan rate?”

Me: “It’s [percentage]. Can you beat that?”

Caller: *totally depressed* “No, ma’am.” *long pause* “Have a nice day.”

Me: “Goodbye!”

(That felt so good!)