Years ago, when I was not so good at paying my credit cards, I had a Discover card account. After paying a couple of bills late, and while carrying a pretty big balance, they raised my APR to 25%. Eventually, I got a lower-rate card and transferred my Disco card balance to it. At that point, I called to cancel the Disco card.
I told the guy I wanted to cancel the account. He asked why? I said, because you guys raised my rate to 25%, wouldn't lower it when I asked you to, and I found another card. He said, ok, let me see what I can do. He came back from putting me on hold, and announced all proud of himself, that if I kept my card, he could drop me down to a 23% APR! Woo-*******-Hoo! I said no, thanks, just cancel the account. Then he offered me 21%! Again he sounded like he just saved my dog from the pound. Again, I said no, just cancel the account. Finally he's like, how about 18%? I said, look, you guys had your chance, just cancel the damned account.
Finally, he said, ok, let me transfer you to the right department.
I will NEVER AGAIN have a Discover card, at any rate, because of that one experience. This sort of "customer service" is such bad business practice.