Me: “Thank you for calling cardholder service. How may I help you?”

Customer: “You sent me a bill. Why?”

Me: “May I please have your card number?”

Customer: “I threw it away when the balance was gone.”

Me: “Um… can I have your Social Security number?”

Customer: *gives number*

Me: “I show your current balance is $10,027.31, due on [upcoming date]. Would you like to make a payment today so you do not get a late fee?”

Customer: “What do you mean? Why did you send me a bill?”

Me: “Sir, because you purchased those items you are required to repay the account.”

Customer: “No. You gave me the money, so I spent it.”

Me: “A credit card is a short term loan. You are required to pay it back.”

Customer: “No, I’m not!” *click*

(This is the third call like this in the past month.)