Post by tjaman on Mar 8, 2007 1:49:57 GMT -5
He was earnest, I'll give him that. After declining a ninth time in a single conversation to enroll in my credit card's payment protection plan, where they'll cover two years of payments for me if I'm disabled or fired, the guy says "You bank with us because you trust us, yes? Why would I offer you a service that was negative and perhaps lose my job over?"
Why? Because for every sucker you bag and for every life you ruin, you get 10 additional rupee, that's why.
Honestly, I need to just move to Iowa, where my credit card payments are processed. Then I wouldn't need to pay by phone and deal with not hard, not motivated, but frantic sellers of these "protection" products.
First off, it's kind of them to be concerned about my being sick or fired, but there's an entire legal system in place to ensure that they will get their money if that happens to me, without my agreeing to pay an additional 85 cents for every $100 in hock I am to them.
See, I had this system on another card which I have since paid off and discontinued. It was a scam. I knew it was a scam. But damn if I didn't fall for it in a moment of weakness.
First your minimum payments go way down, so it seems more affordable. But on top of continuing to use the card well into the credit limit and making teeny payments that don't cover anything, it adds new charges every month for a service it is most gleefully providing (because honestly, in that I wasn't sick or fired or otherwise unable to make payments, they were taking my money in hand over fist and not doing a thing).
I forced them early on in this little dance to send me the entire plan in writing, and the first three times they made this offer, they didn't. Then they finally did, and I could just say I'd reviewed the materials and wasn't interested.
But this guy just needed for me to agree to this, saying that it was the best deal ever and it had a 30-day trial period (which is how they getcha -- I have a $10 a month identity protection thing because of this 30-day free trial -- when I tried cancelling it, they made it all but impossible -- really would not let me cancel it, made me feel incredibly foolish for even considering cancelling it, although a year later I can't point to a single thing it's protected me from that my own careful credit management has not.)
He kept saying that it would be so easy to cancel, and I was thinking it was so much easier to cancel something you don't agree to in the first place.
So 20 freeqin' minutes later (seriously, I just called to make a payment by phone because I got paid today and I want to buy a plane ticket and get the James Bond DVD next week), I actually had to explain about getting fiscally raped by the last company and how this program was really nothing I would ever be interested in, that I'd said "no" at least a couple dozen times by this time and it was practically midnight so I really needed to go.
Damn, this guy and I talked more than I do with some coworkers. What a freeq.
Why? Because for every sucker you bag and for every life you ruin, you get 10 additional rupee, that's why.
Honestly, I need to just move to Iowa, where my credit card payments are processed. Then I wouldn't need to pay by phone and deal with not hard, not motivated, but frantic sellers of these "protection" products.
First off, it's kind of them to be concerned about my being sick or fired, but there's an entire legal system in place to ensure that they will get their money if that happens to me, without my agreeing to pay an additional 85 cents for every $100 in hock I am to them.
See, I had this system on another card which I have since paid off and discontinued. It was a scam. I knew it was a scam. But damn if I didn't fall for it in a moment of weakness.
First your minimum payments go way down, so it seems more affordable. But on top of continuing to use the card well into the credit limit and making teeny payments that don't cover anything, it adds new charges every month for a service it is most gleefully providing (because honestly, in that I wasn't sick or fired or otherwise unable to make payments, they were taking my money in hand over fist and not doing a thing).
I forced them early on in this little dance to send me the entire plan in writing, and the first three times they made this offer, they didn't. Then they finally did, and I could just say I'd reviewed the materials and wasn't interested.
But this guy just needed for me to agree to this, saying that it was the best deal ever and it had a 30-day trial period (which is how they getcha -- I have a $10 a month identity protection thing because of this 30-day free trial -- when I tried cancelling it, they made it all but impossible -- really would not let me cancel it, made me feel incredibly foolish for even considering cancelling it, although a year later I can't point to a single thing it's protected me from that my own careful credit management has not.)
He kept saying that it would be so easy to cancel, and I was thinking it was so much easier to cancel something you don't agree to in the first place.
So 20 freeqin' minutes later (seriously, I just called to make a payment by phone because I got paid today and I want to buy a plane ticket and get the James Bond DVD next week), I actually had to explain about getting fiscally raped by the last company and how this program was really nothing I would ever be interested in, that I'd said "no" at least a couple dozen times by this time and it was practically midnight so I really needed to go.
Damn, this guy and I talked more than I do with some coworkers. What a freeq.