From comments on FTG
1. Once trying to change my voice to sound like my wife to ask for a fee waiver: Rep: "Ma'am, Do you have a cold, or is this really Mr. ----"?" Me: "Click". I did call back with my wife 5 minutes later to do it right.
2. Rep: "Oh, I see we've already waived this year's annual fee, you called us last month..."
3. Rep: "I'd like to help you, but I believe that card is issued by another bank," (in my defense, Citi and Chase both begin with "C".)