Rick, I get pissed of at 'em and pay off the $19.95 I owe with $50. I like the feeling of them owing me, even though it's probably not worth it. I think doing a Ginsu knife routine on the credit card is probably the only thing that works.

Try this: put the card someplace "safe." You'll never see it again. It'll be through some inter-dimensional wall with the keys to my safe and safety deposit box, my birth certificate, etc.