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Please don’t make me call you, ok?!

June 25, 2009

My apologies for not posting anything lately. Maybe I’m also experiencing the so-called “writer’s block”. But since I don’t consider myself that much of a writer, I guess I am just having some pretty boring days lately and there ain’t much “bloggable” incidents happened to me in the past few days. Later in the afternoon today though, I was able to experience one “bloggable” experience. And so, I’m blogging it out. (Parang redundant na masyado yung word na blog, hehehe!)

My boss’s secretary handed me an envelop a little past 4 pm. I got surprised to receive a credit card billing statement at work since all my personal correspondences are sent to my home address. Well, I just don’t want any of my personal things handled at work. Besides, my home address is a more permanent thing for me than my office address 🙂

When I opened the envelope, I saw that I was billed for the annual fee of that credit card. And so, I immediately grabbed my phone and dialed the credit card company’s hotline number.

At first, I had trouble connecting and so I tried again. On the second time, I was able to speak to one of their customer service representatives. And here is the course of our conversation:

CSR: Thank you for calling _____________. How may I help you?

Moi: Hi Miss! I have a case here. I received a call from your bank and offered me a credit card. I instantly refused but a week later I received the card via mail. I didn’t activate it and now I am being charged with a P1,500-annual fee?

CSR: I’m sorry for that error, Ma’am! Can I first get your card number?

– Other details were asked, too. Credit card inquiry protocol, y’know. –

CSR: Thank you for those information, Ma’am. Can I put you now on hold for a minute or two so I could check on your account?

Moi: Ok, sure.

After a minute or so, I heard the CSR’s voice again,

CSR: Sorry to keep you waiting, Ma’am. It says here that you are being billed with the annual fee.

Moi: (Getting a little pissed off) That’s the reason for my call. Why am I being charged with that?

CSR: Ma’am, if you want you can pay this over 6 months.

Moi: (Really trying not to get pissed off) Miss, I told you I didn’t apply for the card. Why am I being charged for that? Can you just please cancel the card?

CSR: Ma’am, if we offer you waiver, will you instead keep the card? But it will still be subject for approval. And you can call us back next week to know if it gets approved.

Moi: (Got pissed off) Miss, uulitin ko lang at lilinawin ko for you. Your company called me a month ago, offered me a credit card and I said NO. After a week, I was surprised to receive the card. I didn’t activate it. It is not my first time to get a card. A card holder can’t be charged unless the card is activated. So why did you charge me for an inactive card?

CSR: Ma’am, your card is already activated.

Moi: (Got more pissed off) I told you, I didn’t ask to have it activated. Are you trying to tell me your company sends activated cards! That’s wrong! For all you know, anybody can use that card . Can you put that complaint on record?!

CSR: Sorry for that, Ma’am. Yes, I will take note of that.

Moi: Can you just cancel my card?!?! And please make sure that the charges are reverted. I don’t want to get negative records for this.

CSR: Ma’am, don’t you really want to keep and use the card for future emergency use?

Moi: (Got pissed off again) Miss, cancel mo na lang. Nagupit ko na yung card nyo the moment I received it. Again, make sure the fee is cancelled as well.

CSR: Ok, Ma’am. Would that be all?

Moi: Yes. Thank you.

CSR: Thank you, Ma’am.

This call really got into my nerve this afternoon. I know, the CSR was just doing her job to keep their clients. But I really got pissed off with that freaking bank slash credit card company that sent me a something I didn’t apply for and immediately refused. Well, I don’t anymore need any new credit card. I just wanted the card cancelled and the fee reverted asap. You see, I’m really very careful when it comes to financial records. I have been in the lending business in all my professional life and I freaking know how it works. Of course, I wouldn’t pay for that annual fee. And if I don’t have it reverted, my credit record will be doomed for quite some time and it won’t allow me to avail of more important financial assistance (i.e. housing loan, car loan, personal loan, etc.) should I need one.

Sorry for venting this one out. I hope you also take precautions should things like this happen to you. 

30 Comments leave one →
  1. June 25, 2009 6:54 pm

    puso mo kapatid…

    nangyari na rin sa’kin yan…well, more of singilan blues ang nangyari sa’kin…nagbayad na ako napa-cancel ko na yung credit card, after three months, leche! hinde pa daw ako bayad at may civil case na raw laban sa’kin…kulang na lang kutsarahin ko yung mata nung kausap ko sa galit e

    okay na ako sis. nahimasmasan na! hehehe!

    hay naku, simpleng insidente lang yan noh?! dati, one major credit card company told me that i have pre-approved loan worth P50K. syempre, i declined din. then come billing time, sinisingil ako ng P50K. claimed daw ung check. eh di ko naman talaga na-claim. lintek na yun, di nila ako pinatulog nun. first thing the next morning i called them at nakatikim sila ng ultimate nagging sa akin. and that was the start of my being sungit with those freaking credit cards. hehehe!

  2. June 25, 2009 7:43 pm

    Nakakainis naman! Kahit ako nainis ako noong binasa ko to. Bakit naman chinarge ka ng annual fee eh nagrefuse ka nga in the first place.. tapos activated pa ang card kaagad? Haiz!!

    Sya nga pala, may credit reporting na din ba diyan sa atin?

    hay reese, i was really pissed off when i received the billing statement. kaasar talaga!

    yep, we monitor credit records here in pinas. all mishandled bank accounts (loans and deposits) as well as other financial matters are being reported to an agency. and all the banks get info from that agency before they grant loan to clients. even those who opt to open checking accounts are checked through that agency.

    but our system here is still not as keen as that of USA’s credit report system.

  3. June 25, 2009 11:31 pm

    lagay mo ang name ng credit card comp para naman malaman ng madla kung ano ang raket nila..

    ahi hi hi

    Unionbank, Maldito!


    • June 26, 2009 5:02 pm

      ay sos! pasaway talaga yan! even my Mom had tons of problem with that bank. Imagine, 3 buwan nang hinde dumarating yung billing statement nya. We asked them to fax a copy to us para naman alam ni Mama kung magkano ise-settle nya. Ayun, hanggang ngayon wala pa ring dumarating na lecheng fax

      oh rhona, ang puso! remember, nakastapler lang yan! hehehe! hay naku, buti na lang pala at pina-cut ko ung card. else i’d experience the same problem. hehehe! baka di maganda ng billing system ng unionbank kaya ganun. ung ibang card companies naman, esp those i have cards with, are prompt in sending billing statement. ask your mom to post a complaint para they could improve on it.

  4. June 26, 2009 12:55 am

    hinay hinay lang baka matulad ka kay MJ, ok? 🙂

    nyah! iba naman ata kaso ni MJ. etong sa akin eh simple credit card lang 😛

  5. June 26, 2009 3:39 am

    eto madalas mangyari sa akin.

    CSR : Hi, Good Morning! I’m ___ from Company Name, an accredited service provider of BANK NAME. You are pre-selected for our promo blah-blah.
    SS : O, ok.
    CSR : We are are offering blah-blah-blah…. blah-blah-blah.. free card membership for life.. blah-blah-blah…
    SS : O, I’m sorry. I’m not interested.
    CSR : O, why is that? Can you give us your reason? This is a once in a lifetime offer.
    SS : Ok, look! You called me to offer your card and I said I’m not interested. Why then I have to explain myself to you? Is it my responsibility to give you a valid reason to refuse your offer?
    CSR : Ah eh. Ok, sir. Thank you.

    buti na lang, nde pa nangyayari sa akin yang ma-bill ng dahil sa wala.

    • June 26, 2009 5:45 am

      nyahahah…ok yang approach mo supersawsaw…ako sinasagot ko sila nang “wala akong pambayad e…wala akong trabaho”

    • June 26, 2009 1:53 pm

      @ SS, naku marami na rin akong natanggap na ganyang calls. meron pa ung credit sheild daw. insurance of some sort that if i die *knock on wood* eh my balance with their company will be paid off. so no need na daw for my family to pay it off. eh siraulo pala sila, pag namatay ang card holder, wala talagang magbabayad nun dahil ung cardholder lang ang responsible sa card debts. it’s not guaranteed nor covered with promissory note! haller?!?! i wasn’t born yesterday! hehehe!

      *waves at kikay*

  6. June 26, 2009 5:25 am

    ang puso mo, miss winkie. baka bumulwak ang dugo diyan. huhlolz! nakaka-HB nga yang mga ganiyang scenario. ‘yung ipuput on hold ka ng napakatagal tas pagbalik, wala pa rin palang matinong sasabihin. kung ayaw mo nung credit card mo miss winkie, ako na lang gagamit. ubos ang max credit mo niyan. nyahahaha!

    hay lio, na-late ka naman. gusto mo pala nung card… sayang, nagupit ko na eh! hehehe!

    ok na ako… breathe in… breathe out… hehehehe!

  7. June 26, 2009 7:33 am

    huwaaa may mga receiving calls din ako dito sa shop na nag oofer ng ganyan, eh wala naman akong pera haha..kaya sabi ko ay ate sorry ayoko haha..
    mangungulit pa na baka may kilala kang gusto mag karon o interested sa promo, sabi ko wala, eh mam ung may ari baka gusto nya ano po bang contact no.nya o di ba napa ka kulet..binababaan ko na lang phone pag kasabi ng ate sorry pero thank you na lang ehhe…

    irritating sila di ba?! kelangan mo lang talaga i-end ung call agad, otherwise kukulitin ka nila ng todo-todo 🙂

  8. June 26, 2009 8:25 am

    saklap ng mundo bakit sa akin walang tumatawag ng ganyan..obyus ba talaga na wala akong pera?nyahahaha..

    hahahaha… pareho kayo ng comment ng neighbor namin. lagi pa ako tinatanong pano mag-apply ng card. sabi ko matagal na akong di nag-aaply kais kusang dumating sa akin. lapitin ata ako ng utang eh! hehehe!

  9. June 26, 2009 10:22 am


    pati pala sa credit card may blackmailing churvaness

    buti nga diplomatic ka pa eh
    kung ano galit na galit na ako nyan

    mwahh winkie

    sowee sa late comment

    hi epfi… haymishu!!!

    hahaha… buti na lang pala hindi ikaw na biktima. otherwise, bugbog lalo sa nagging ung CSR. hehehe!

  10. June 26, 2009 11:08 am

    bat kayo meron kayong credit card kahit hindi kayo naga apply..

    gusto ko rin ng credit card..

    well, most of the card companies buy names of good paying card holders from other card companies. i have a strong feeling, unionbank did that exactly so they got my name. but since i initially declined the card, they shouldn’t have issued me one…. and as i said what is worse, activated cya!

    why not try to apply for one. but be careful ah! baka ma-addict ka sa pagswipe nun… kaw din mahihirapan mag bayad. it happens to most first-time card holders.

  11. June 26, 2009 12:48 pm

    hwaw! talagang natranscribe mo word for word, winkie? bilib ako. 😀 narecord mo ba yung komberseyshun?

    achwali *pop fernandez’s tone*, nirecord ko sila. bago kami nag-usap nung CSR, she heard this from my end “this conversation will be recorded. so be careful with what you will say to this b**ch!” whehehe!

  12. June 26, 2009 3:58 pm

    yun tamang tama ang post mo na ito
    mga hayop talaga mga card company na yan, halos sila na lang ang pinaglalaanan ko ng kinikita kong milyones, kumakailan lang naningil na naman ng 16k and to think na settlement daw.

    dati nagkaroon na ako ng settlement with the card company, kasi pinaputol ko dahil masyado na akong maluho, umabot na ng 40k plus ang utang ko, so ginawa namin, payable in 12 months, so natapos ko na ang 12 months tapos biglang meron pa raw akong kulang na 16k tae nila.

    alam ko wala pang nakulong sa pagkakautang sa cc na yan, pero gusto ko lang malinis na buhay, e yung kasama ko nga dito bumili ng laptop worth 60k plus siguro sa pinas yun, gamit card nya sa pinas, gang ngayon wla naman naghahabol sa kanya dito sa abroad.

    nyay, ang luho mo mars! twice pa lang ako nagkaroon ng P40K billing for booking online tickets. and they got paid immediately in full. well, im just suprised why u still have a P16K balance if u say you had arranged for debt resstruturing with the card company. for me that’s quite absurd. unless, you had other purchases after that restructuring arrangement.

    as to your friend, im guessing he used the card in pinas then flew to where he is now. well maybe, the card company could no longer locate him kaya feeling nya walang naghahabol. but im sure, that card company already posted him in the negative files. for now he wont mind that negative record but would greatly affect him once he decides to get a bank loan in the future. you know, just recently, i did not endorse a friend’s loan application at the bank i’m working for. ang daming unpaid credit cards. it was a red flag for us not to accommodate him kasi there’s a greater risk that he might not handle his account well with us should we grant him another loan. ganyan ung effect nun. so as i said, we all need to be careful with things like this.

    hope you did not get offended with my reply. 😛

  13. June 26, 2009 5:06 pm

    Winkie, totoo ba yun? Kasi, di ba sabi nila walang nakukulong sa utang…sabi nung isang financial guru ek ek e hinde ka pwedeng i-force na magbayad nung mga crad companies lalo na kung wala ka naman talaga ibabayad…hinde daw totoo yung maiilit bahay mo or something…is that true?

    well well well, that financial guru ek ek is right.

    you see, credit cards are just bound by terms and conditions. no card holder is asked to sign a promissory note so card companies could NOT file a case in court nor have the card holder put in prison. they could not take away your possessions as payment for loan kasi clean loan naman cya. repossessions are only applicable to those loans covered with collateral (i.e. housing loan, auto loan, business loan vis-a-vis real estate mortgage). but still, credit card debts are debts need to be settled. simple lang ang rules sa cards, if you purchase, you pay. otherwise, there will be bigger problems in the future. see my reply on mars comment.

    ayan, feeling financial guru ek ek na rin ako! hehehe!

    p.s. walang nakukulong sa utang, pero sa estafa at swindling eh meron. hehehe!

    • June 28, 2009 8:31 am

      naks! financial guru na financial guru ang dating!

      kala mo totoo noh?! whehehe!

  14. June 26, 2009 5:56 pm

    Hey Ms Winkie,

    cool ka lang. hehe. at least u were able to handle the situation ver well. kaka-bilib. hehe


    hehehe… im cool now mon. yep, i always handle them well naman. minsan lang talaga eh natetest ang sungit level ko. hehehe!

  15. snglguy permalink
    June 26, 2009 11:05 pm

    Tsk tsk, iba na talaga pag 5-star ang credit rating mo, pinagaagawan ng mga credit card companies, hehehe. 😀

    5-star ka jan, kuya rudy! lapitin lang talaga ako sa utang. dama ata nila na shopping ang hobby ko eh! hehehe!

  16. June 27, 2009 5:29 am

    unionbank??!! hala! kala ko pa naman tumataas ang kalidad nila lately.. tsktsk.. bagsak pa din pala.. haaaaayy..

    it was my first time to have transaction with unionbank. hmmmm… i’ve been in the banking industry for more than a decade, i didn’t know UBC has this negative image. 😛

  17. June 27, 2009 7:40 am

    Hi Ms. Winkie, naku kakahayblad naman yan!
    Iba’t ibang klase na talaga mga modus operandi ngayon.
    Ingatz. 🙂

    hehehe… gusto lang siguro talaga nila magdagdag ng clients. ang credit card dito sa pinas eh parang tatlo biente singko lang. these days, anyone can have a card. yngatz ka din, prinsesa ng drama!

  18. IKAY permalink
    June 27, 2009 8:47 am

    haaayzz…pero sana OK na yan ate winx para hindi ka na
    ulit ma HB…hehehe ^_^

    hehehe… ok na aketch ikay. wala na HB. 😛

  19. Mr. Nonsense permalink
    June 27, 2009 9:55 pm

    u sure u don’t want to keep the card, ma’m, just incase u decide to join eharmony. com or, ma’m.

    huh? na-lost ako dun ah! bakit may online dating site? di ba spam ang comment mo?

    • Mr. Nonsense permalink
      June 28, 2009 7:16 am

      my bad. mukha ngang spam.
      galing naman nung customer service. tigas talaga. employee of the month yun. me, bad experience ko sa credit card…someone stole my identity and used it in mexico. thank god magaling yung bank ko.

      actually di ko kasi na-gets ung 1st comment mo. parang out of this world lang. hehehe!

      well, marami talagang MO and/or mishaps jan sa mga cards. this is just the simplest i’ve ever encountered.

  20. June 28, 2009 7:12 am

    cool ka lang… inhale, exhale… tanungin mo si flamindevil tungkol dyan, sa credit card company sya nagwowork, hehehe..

    cool ka lang… hehehe

    thanks for the advice, jorge. but i have already handled this. normal naman sa kin to experience this kinda thing with cards. complaints are just a phone call away 🙂

  21. June 28, 2009 7:40 am

    That exactly what had happened to me dun sa post ko where you were asking kung anong bank yun. I had called the bank’s number twice to cancel the card which I didn’t even applied for (although yung sa akin, unlike sa yo, ay hindi pa naman activated) and guess what, they just recently billed me at more than 2,000 na ang babayaran ko hehehe. I gave them a call again. The CSR apologized saying they have already canceled my card and no billing statement will be sent to me again. Sana nga.

    yeah, i remember your post abt that card experience of yours. parehong bank ba, ms. N? whehehe!

  22. June 29, 2009 1:55 am

    miss winkie chill lang po 🙂 hehehe tactic yan ng mga company para magkacustomer! hehehe..

    langyang teller yun 🙂 boblets

    hehehe… oks na ako, cruxrifter! sanay na sanay na ako sa mga ganyan. hehehe!

  23. June 30, 2009 12:23 pm

    hehehehehe…..tama ang ginawa mo…..nangyari na kasi sa akin yun eh! kaya ako ….cash na lang…di pa mate-tempt to buy impulsively….

    i really don’t have a need for an additional card. i have a couple of unused cards in my wallet… ang ganda lang nilang palamuti. hehehe! and yes, BI ang credit cards. makes you wanna buy more! lol.

  24. June 30, 2009 8:56 pm

    In fairness ang bait mo pa nga Ate Winkie, kung iba siguro yun pinagmumura na ang CSR at naiyak na siguro sya.

    Sorry late 😦

    hayz, im trying to control my anger. kasi naman di naman fault nung CSR ung sending of card… ang fault lang nya, mejo eng-eng sya. kaya in the end, naiinis pa rin ako! hahaha!

  25. jayvie permalink
    July 9, 2009 6:10 am

    sayang din yung card. you may still keep it for emergency purposes. iwewaive naman nila yung fee eh. hehe, do i sound like one of them? sa bangko din kasi ako work, but im confident ndi yan bangko namin, we deliver cards unactivated eh. =)

    i really don’t need an additional card. im actually having some of my cards cancelled now. im a banker as well and into loans so i know how this thing works. apparently, the card company called after a week and told na waived na nga. ang kulit di ba, sinabi nang nagupit ko na eh! hehehe!

    i disclosed the bank’s name. *points at my reply to maldito’s comment*

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