A
-- and he's just told them, you know, I, I can get this card from this bank at this rate and yours is at, you know, eighteen or nineteen percent.
B
Right.
A
It does not make sense for me to do that and if you won't drop my rates, I'll just go ahead and send you back your card and I'll go somewhere else and get it.
B
Yeah, for me the big thing, you know, is the, uh, uh, is the annual fee and I just refuse, I won't get any card now, I've, I've got a good rating and I've got, you know,
A
Uh-huh.
B
And I'm not going, I'm not going to pay an annual fee. The only one I actually pay on is this one that I, that, the very first,