Be sure and cancel your credit cards before you die. This is so priceless, and so easy to see happening, customer service being what it is today. A lady died this past January, and Citibank billed her for February & March for their annual service charges on her credit card, & added late fees and interest on the monthly charge. The balance had been $0.00, now somewhere around $60.00. A family member placed a call to Citibank here's the exchange: Family Member: 'I am calling to tell you she died in January.' Citibank: 'The account was never closed and the late fees & charges still apply.' Family Member: 'Maybe, you should turn it over to collections.' Citibank: 'Since it is 2 months past due, it already has been.' Family Member: So, what will they do when they find out she is dead?' Citibank: 'Either report her account to frauds division or report her to the credit bureau, maybe both!' Family Member: 'Do you think God will be mad at her?' (I really liked this part!!!!) Citibank: 'Excuse me?' Family Member: 'Did you just get what I was telling you the part about her being dead?' Citibank: 'Sir, you'll have to speak to my supervisor.' (Duh!) (Supervisor gets on the phone): Family Member: 'I'm calling to tell you, she died in January.' Citibank: 'The account was never closed, so the late fees and charges still apply.' (This must be a phrase taught by the bank!) Family Member: 'Do you mean you want to collect from her estate?' Citibank: (Stammering) 'Are you her lawyer?' Family Member: 'No, I'm her great nephew.' Citibank: 'Could you fax us a certificate of death?' Family Member: 'Sure.' (fax number is given) After they get the fax: Citibank: 'Our system just isn't setup for death. I don't know what more I can do to help.' Family Member: 'Well, if you figure it out, great! If not, you could just keep billing her. I really don't think she will care.' Citibank: 'Well, the late fees & charges do still apply.' (What is wrong with these people?!?) Family Member: 'Would you like her new billing address?' Citibank: 'Yes, that will help.' Family Member: ' Odessa Memorial Cemetery , Highway 129, Plot Number 69.' Citibank: 'Sir, that's a cemetery!' Family Member: 'What do you do with dead people on your planet?