When I call bank to cancel my credit card normally then dun ask any shitty questions one ... the just cancel for me ... but prolly in smaller town they would try to be funny (coz small down not much transactions mah! kena pretend u very busy lidat lor!) and asked u to do abit more.
This fler who went to cancel his HSBC credit card was asked to fill up a form citing the reason why he wanna cancel his HSBC credit card ... and this is what he wrote ...

ALO! click to enlarge la! who ask u smirk your eyes trying to read the reason? DUH!
If u still kenot see after u enlarge prolly due to OLD FAWER or TFK too much (yea i heard TFK too much will lead to blindness one also) then i type it out here for u la!
He wrote ....
ASK NAJIB WHY? (RM50 CHARGE)
So ... nx time if the credit card company asking u why u wanna cancel your card .. just tell him ASK NAJIB LA!!! kakakakaka!