My Own Horrible Experience with Credit Cards
I just read Jepoy’s blog about irate credit card customers. As much as I want to feel for the customer service representative I can’t help remembering my past experiences with credit card companies.
Last year I had a particular Credit Card that was at its limit. I was financially bed ridden that time despite my job I was failing at my payments.
First problem was when the calls started.
Despite repeated conversations different people hounded me. I told collector # 1 I wasn’t going go to away and that I will pay. Another collector calls and tells me of the repercussions of my actions.
? I just said I’ll pay.
More calls after that assuring me that they are just “reminding me”. Ugh I thought I said I’ll pay.
More calls after that. Calls at home, calls at the office, and e-mails.
It was bothersome yes and I repeatedly answered them the same thing I’ll pay.
I really don’t know why they were doing this since I was doing the partial payment plan.
My family was asking about it and questioned if I needed financial support, my office mates were asking about it too. Good thing nobody else was reading my e-mails but me.
I didn’t deserve that but that was the least of my worries.
I asked for an extension since I didn’t want to touch my savings and eventually got the money. I asked the collector how much for the full pardon. He said 20,000. I asked for a discount and he said okay sir since you are paying in full it’s only 19,500.
I was thankful that all my worries were finally over.
After that I received a mail from the credit card company telling me that they are willing to give me a full pardon for just 17,500. I was confused about this and called the collector and asked for a clarification. The one who answered was another collector who immediately began shouting at me!?
He said “You should be grateful that you only paid 19,500”
I was shocked. I believe I had the right to ask. I was politely asking and yet here he was shouting at me. What happened next was chaos. I began shouting too. I said I didn’t deserve that kind of treatment.
I was polite even though I was shouting but he was not listening.
Eventually the collector assigned to me intervened and apologized on the other collector’s behalf. I began to simmer down. I believe I didn’t deserve that kind of treatment.
He began clarifying but I was already numbed from the experience.
It has been a year and I’ve forgotten most of the names but upon hearing that sound clip I felt a strange tie to the irate customer. Memories came flooding back.
I mean I don’t curse people and I know a lot of people who work for the credit card company are actually doing their jobs properly but there are a selected few who will definitely find a way to ruin your day.
Do you have a bad credit card experience like mine? I sure hope not.
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