Credit Card

One day I got a call from the bank -

 “Ma’am, your payment is due for the credit card xxxx xxxx xxxx 6013. Please pay immediately.”

“But I haven't used it for a long time. It seems there is some confusion at your end.”

“No ma’am, there is no confusion at all. You have Rs. 5000 due, to pay for the non-transaction fee. Since you didn’t do any transactions on the card for the last 3 years, you will have to pay Rs. 5000 now.”

“This is unfair. When I didn’t use the card, why would I pay for it?”

“Ma’am, you should have thought about this before applying for the card. Please pay Rs. 5000 now.”

“No way... I am not going to pay for it.”

“You will have to pay, ma’am. You will have to follow the rules.”

“Okay, in that case, I would like to cancel my card. I don’t want this card anymore.”

“That’s fine ma’am. You can cancel the card, but before canceling, please clear all the dues. Pay Rs. 5000 first. Without clearing dues, you can’t cancel the card.“

“I will not pay for not using the card.”

“Please don’t force us to take any strict action against you, ma’am. You will have to pay Rs. 5000 now, after which you may even cancel the card.”

“Do you think, I am insane? I will not give you a single penny. I have not used the card, why would I pay for it? I will come to your office tomorrow, to talk to your manager.”

“Sure, ma’am. Have a nice day. Before ending the call, do you want to upgrade your credit card to platinum one?”

“No, I don’t want to. I don’t use this card.”

“If you upgrade your card today, you will get some exciting offers also.”

“What are the offers?”

“There will be no ‘No transaction fee’ on the new platinum card. And there is a cash reward also for those customers who are upgrading today.”

“How much is the cash reward.”

“Rs. 5000, ma’am.”