a dear john letter to MBNA after an 8 year relationship

Dear MBNA,
Baby, I know we've been together since freshman year of college, and this time has been really special to me. I loved watching you grow from regular, to gold, to platinum, and I thought it was cool how your maximum balance threshold went from enough to buy a hotdog to enough to buy a private jet. You were so suave.
But honey, you've changed. We used to cuddle, and talk about our feelings, and you used to charge me 11% interest. You barely carried a balance, and I always thought we would be so happy together. Now, though, you've put on an unbelievable amount of weight, and you come home smelling like cheap wine and hookers. Every day you become more of a bastard at a predictable, calculated rate. I have nightmares about our ongoing relationship and sometimes muse about faking my own death to end this pattern of abuse.
It's like the cycle never ends. We make up for a little while, I stupidly give you some money that seems to disappear into the wind, and you shave off a few points of interest ... but then out of nowhere I get a letter from you and you're back to charging me 18% (variable, you lout) with a minimum payment that rivals the gross domestic product of a well developed nation.
I don't think we should do this anymore. The svelte adonis idling in the driveway is Bank of America. I've seen him around, and this morning he put a pretty silver card on my finger and proposed low fixed rate balance transfers for as long as we both shall live. I accepted.
It's not that you didn't try. When I would call you, your service people always smiled gently and whispered in a sweet, soothing southern drawl while they repeatedly violated me. I thought that was a nice touch and I always appreciated it in the following days when I could only sit on pillows. In the long run, though, I just don't think we're right for each other. Public interest law isn't enough to support your habits.
Sorry.
SEF
