Please don’t make me call you, ok?!
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.
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
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?
lagay mo ang name ng credit card comp para naman malaman ng madla kung ano ang raket nila..
ahi hi hi
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
hinay hinay lang baka matulad ka kay MJ, ok? 🙂
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.
nyahahah…ok yang approach mo supersawsaw…ako sinasagot ko sila nang “wala akong pambayad e…wala akong trabaho”
@ 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*
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!
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…
saklap ng mundo bakit sa akin walang tumatawag ng ganyan..obyus ba talaga na wala akong pera?nyahahaha..
wahaha
pati pala sa credit card may blackmailing churvaness
lolz
buti nga diplomatic ka pa eh
kung ano galit na galit na ako nyan
ehehe
mwahh winkie
sowee sa late comment
bat kayo meron kayong credit card kahit hindi kayo naga apply..
gusto ko rin ng credit card..
hwaw! talagang natranscribe mo word for word, winkie? bilib ako. 😀 narecord mo ba yung komberseyshun?
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.
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?
naks! financial guru na financial guru ang dating!
Hey Ms Winkie,
cool ka lang. hehe. at least u were able to handle the situation ver well. kaka-bilib. hehe
ingats!
Tsk tsk, iba na talaga pag 5-star ang credit rating mo, pinagaagawan ng mga credit card companies, hehehe. 😀
unionbank??!! hala! kala ko pa naman tumataas ang kalidad nila lately.. tsktsk.. bagsak pa din pala.. haaaaayy..
Hi Ms. Winkie, naku kakahayblad naman yan!
Iba’t ibang klase na talaga mga modus operandi ngayon.
Ingatz. 🙂
haaayzz…pero sana OK na yan ate winx para hindi ka na
ulit ma HB…hehehe ^_^
u sure u don’t want to keep the card, ma’m, just incase u decide to join eharmony. com or match.com, ma’m.
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.
cool ka lang… inhale, exhale… tanungin mo si flamindevil tungkol dyan, sa credit card company sya nagwowork, hehehe..
cool ka lang… hehehe
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.
miss winkie chill lang po 🙂 hehehe tactic yan ng mga company para magkacustomer! hehehe..
langyang teller yun 🙂 boblets
hehehehehe…..tama ang ginawa mo…..nangyari na kasi sa akin yun eh! kaya ako ….cash na lang…di pa mate-tempt to buy impulsively….
In fairness ang bait mo pa nga Ate Winkie, kung iba siguro yun pinagmumura na ang CSR at naiyak na siguro sya.
Sorry late 😦
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. =)