Called 1st Financial, and they claimed that my credit card had a, get this, $0.28 balance. For a second I thought they might have left the finance charge on the card, but the finance charge was $0.50
I called their customer service line at 8:31 pm, EST, Jan 22, 2008 and was transferred to "Patrick".
When I described the problem he said "how about I zero that out for you sir?" I thanked him and said I also wanted to close the account. He said the account was already closed and I should get another statement on the 5th of Feb.
I await the next volley with baited breath.