I cancelled a credit card a couple years ago; my balance was -$3.57.

the customer service representative told me that they would have a cheque printed and mailed to me in 3-4 weeks.  I told her nicely not to worry about it.

“actually” she said, “our policy will not allow us to do that, we have to send you the cheque.”  then she joked,  “it probably costs us $50 for each one we issue”.

that is crazy.

take an honest look at the policies you have put in place.  do they make sense?  is the benefit worth the risk?

don’t cost yourself $53.57.