"The average consumer pays $2,630 in interest to credit card companies every year, according to NerdWallet’s 2015 credit card survey. And that doesn’t include any additional annual fees! So don’t be surprised when you call the card issuer and you’re transferred to a smooth-talking retention specialist."
http://www.daveramsey.com/blog/how-to-close-credit-account
http://www.daveramsey.com/blog/how-to-close-credit-account