Wednesday, September 28, 2011

Dear TD Canada Trust,

You know what would have been nice? It would have been very nice if you had informed me that I had a credit card option which reduced my interest rate by more than 10% at some point in the past several years. I know you figured that you already had me on a credit card and were more than happy to keep taking ridiculous amounts of money in the form of interest, but it still might have been a kind gesture to at least drop me a line and, in doing so, send the message that you actually care about me, the client. I'd even be happy if it was simply an empty gesture and if you didn't really care about me, the client, at all. Sometimes faking it is fine.

I know, I know. You don't want to get too attached. It's just that I opened an account with TD about 30 years ago and I thought you might still love me. When you merged with Canada Trust, bringing a step-bank into the relationship, you reassured me that it didn't mean you'd love me any less. You still need to make time for me. I guess I just need reassurance now and then.

Now, I fully understand that I have to call back during business hours to deal with your inflated balance-protection rates that are, incidentally, significantly higher for my reasonably small credit card balance than they are for my mortgage, but perhaps in the future, we could just be a little more open with one another. Perhaps you are just a bit miffed that my mortgage is with another bank, but I never hid that relationship from you. You said you were fine with me seeing other banks.

Tell you what: if you promise not to secretly smirk at my paying more than I really need pay, I will do my best to voice my concerns more quickly so they don't degrade into festering resentment.

Sincerely,

Me

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