Read the Fine Print Before Applying for that Card!
I've worked in and around call centers for the better part of 15 years and it still amazes me when I hear stories of how crazy people, who know they've not paid their bills, or don't understand how to reconcile accounts, or who just don't understand continue to call customer service wanting the moon handed to them on a silver platter.
In this great United States there are thousands, if not hundreds of thousands of call centers who answer for credit card companies, insurance, medical questions, help desks, order desks, you name it. And I know that every one of these offices has had to handle calls from people like you who think giving phone reps a hard time is your God-given right. Well, you really don't have that right and your harassment of phone reps just highlights to us how stupid you really are!
Take this example:
This older gentleman wants a credit card and keeps applying for one. Each time he's been turned down. Not realizing he's on a marketing mailing list, he keeps getting these solicitations and dude keeps filling 'em out and sending 'em in, not thinking he's gonna get the same answer as before..."Drop dead, deadbeat!" Finally, after pulling a credit report he gets the ugly surprise that all of those rejected pleas for a credit card has now further damaged his already low CBR. So, deadbeat dude gets his daughter to call in and complain. Lucky me, I get the call and have to deal with "Attitude Angela".
After patiently trying to get her to understand that we have to talk to daddy she says, "If you want to keep your job, you get your supervisor on the phone now!" Now c'mon, does she really think she's so important that my supervisor will drop everything to talk to her? Yep. So now, I've got to tell Miss Attitude to zip it up and put daddy on the phone or I'm disconnecting the call. This gets her really sizzled up but at least daddy gets on the phone- with Miss A on the other line.
I explain to daddy that he should have read the fine print, that each time he sends the application in we're gonna pull a credit report. Of course daddy doesn't read the fine print, probably because he CAN'T read the fine print. So now he's gonna sue us and all that other garbage that he thinks will make us remove all those declines from his credit report. Guess who gets to tell him we're not doing that? Yep, friendly old phone rep me.
Finally, after waving down my supe she takes the call to explain everything I just said, but slower because if daddy and Miss Attitude hadn't understood the first 15 minutes of my explanation they sure won't understand it again, right? Right. So now both daddy and Miss A keep up with the threats and complaints and you know what my supe does? She puts down the phone, walks over to get something from the copier, comes back and starts humming and hahing just like she was there all the time! I swear! I thought I was going to fall off my chair from laughter when I saw that! Finally daddy and Miss A hang up vowing to never use our service again. Promise?
The moral of the story? Read the fine print BEFORE applying for cards. Even if those offers say you're pre-approved for a card, read the fine print you'll see that you're pre-approved to APPLY for the card. So, save your already sucky credit score and apply for a secured card. Another thing, don't let your daughter call for you if she can't understand how to read the fine print too okay?
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