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Oh Look, my credit card bill came in the mail!
Wait!This has a 99% APR! That is not the terms I agreed to!
*Ringing* Hello Sir, My APR is much higher than I agreed to. Will you change it?
I'm sorry ma'am but, I cannot lower your APR for you. Please feel free to stop by my office sometime tomorrow if you want to talk about it.
You must lower my APR otherwise I won't be able to feed my cat!!!
I am sorry ma'am but there is nothing that I can do about it.
YOU WILL BE SORRY WHEN YOU FIND OUT I HAVE THE TRUTH IN LENDING AND CONSUMER LEASING ACT TO PROTECT ME!!
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