I'm in no rush to (re-)pay you.

I could hear myself saying that to a bank teller. (As if the bank teller were the owner of the financial establishment!)

Many years ago, I was the secretary/treasurer for my local union. I was responsible for going to the bank to make transfers from one account to another so that the insurance premiums would be covered. I remember a while back when we took a loan offered at a very low interest rate. It was used to purchase a CD from a credit union that offered us an interest rate that was twice as high as the loan rate.

I always went into the bank to make my payment in person. I also always waited 'til the last possible day to pay (i.e., on the due date). Whenever I'd come I would be at the mercy of whoever was available at the window. I'm the type of person who likes to make transactions brief. I'm not nasty, I'm just not chatty. And I make a visible amount of body language to let the universe around me know that I'm tired of the motor mouth who is keeping the teller engaged when I have a transaction to complete.

"You know, you can have these transfers done on line," the newbie at the window might ask.

"Yes, ma'am. I am aware of that. We do not do transactions on the computer with these accounts. We come into the branch, and we get a receipt. And we staple the receipt to our statements. And then we file the statements and the attached documents in folders in the filing cabinet."

Then she might get a gander of the account balances. Each month, our two checking accounts would appear with a balance of a quarter of a million dollars each. The balances seldom fluctuated. Money went in and an equal amount would come out. The amount of the transfer would cover the expense of the premium to the penny.

Sometimes there would be a love attraction to the account balance(s). "Would you like to open a personal account with our bank?"

I'd stare in disbelieve. "You do realize that these banking transactions are for a non-profit business account, right? This is not MY money. Your bank has minimum balance requirements for personal accounts. Your bank has zero interest rates for checking accounts. Your bank charges fees if an ATM transaction is performed at a bank other than yours. I keep my money in a credit union."

Then she might say something about my pattern of waiting until the due date.

"I am following the terms and conditions of the contract. You get the minimum amount by the due date. PERIOD. Now, if you were a friend who had made a loan to me, I would create a repayment plan that would be as quick as possible, as generous as possible, and as respectful as possible. Your bank offers me nothing and I don't have money to waste. So, knock off the sales pitch. I'm in no rush to re-pay you!"

And that usually holds me over... until I encounter the next newbie who wants to show off his/her salesmanship! UGH