I got the call to consolidate my debts. They said they could drop my interest rate down from 30%+ to only 19.99%!!!! (If I held a balance my interest rate is only like 14%) They asked me what my current balance was so they could calculate the savings.
Me: Sure, well I haven't yet pay the bill this month since it isn't due until the 10th, so my current balance is about 2,500.
Slimy Sales: Oh, well how about your other cards? We can combine them all into 1 single payment. What's your total balance?
Me: That's it, just my one card.
Slimy Sales: So why are you trying to refinance?
Me: You called me, so I'm not sure.
slimy Sales: ... so would an interest rate of 19.99% be interesting to you.
Me: Sure, I mean, it will raise my current rate by 5% with higher fees and less benefits and paperwork, plus I pay off in full and never deal with interest rates anyways.
Slimy Sales: Why are you wasting my time?
Me: You called me dude.
Slimy Sales: Well we have .... 'sales pitch for something else'
Me: So you can't hang up on me since I said I was interested, and even though you know that I'm a hopeless cause for you to make $$ off of. That much suck.
Slimy Sales: Well sir we have a range of products and services that would fit you - 'another sales pitch for a 12% car loan'
Me: My car loan is at 2.5%, so no thanks on that, do you have anything that could lower my mortgage?
Slimy Sales: Sure we can offer a mortgage rate of 8.99% ... 'some other sales pitch'
Me: Oh, well I'm at 4.5%, so what benefits do you offer to justify the higher cost?
Slimy Sales: Dude, just hang up, I need to make some sales.
Me: NEVER!! HAHAHAHA!!! I'm just bored .... but since you asked nicely. (Click)
I think I wasted like 15minutes of that guys time. I was walking around the block and it was actually fun to bug people for no reason. I just hate cold calls trying to prey on stupid people.