Why do people on the end of the line at credit card companies talk to you like they are doing you a favor?

So, Part 1 did not totally succeed - the new card I was offered had a measly limit of $400.  Excuse me?  It was obvious from my application that I was looking to transfer money from one card to another, of an amount larger than $400.  Thanks for nothing Chase.  I forgot why I hated you.

I am reminded.

So, I immediately called them and cancelled the card without having ever activated it.  That won’t look perfect on my credit report, but I was NOT going to play that game.

That means that my 0% introductory rate and rate of 18.99% are now gone.  I’m stuck with the evil Discover rate of 24.99%.  This causes me to reorganize my snowball report, and the date of payoff becomes 20 months instead of 18.  Two months.  I can do that.

But, instead, today I decided to attempt the impossible - I was going to call Dell and see if they would lower my rate.  Initially, they acted as if I was far too unredeemable.  But then they lowered my rate by 4%.  24.99% is the rate now.

So, that causes me to, again, reorganize my snowball sheet to pay off a different card first.  That’s ok though.  The months stayed the same.

But it was utterly frustrating.  In the mean time, other cards offer to increase my limit - all while telling me I’m unable to get lower rates.  What a machine this is.