While Applying for a credit card over the phone-the guy laughed at my income
By pboreoheart
@pboreoheart (215)
United States
October 19, 2007 11:35am CST
ok he asked for my gross income. i'm a student. no bills,no rent and a work study job that only pays like $250/month
the guy laughed! he was like "per week?" then i had to uncomfortably say "no a month" then he laughed and told me how i needed another job :O
i know i do...but my schedule is fugly due to classes. then he tries to get me to sign up for a $2,500 credit card. umm...i'm not dumb and how am i going to pay for it? do they get paid commission or something?
4 people like this
8 responses
@whywiki (6066)
• Canada
19 Oct 07
Oh how lucky you are to have no bills or rent. I would have told the guy that I had the last laugh as he was probably knee deep in debt. These credit places like to suck you in and then when you have racked up a huge bill because it is easy to do then they charge you an arm and a leg for interest. I hate my credit cards and the interest I have to pay but in this world it is hard not to have one. I bet they are paid extra for signing people up as these companies are ruthless. Good luck at school!
@smileymom (169)
• United States
20 Oct 07
what a j*rk thats not friendly costumer service, and yh they do get commision by trying to screw you over.
@LilyoftheThorns (12918)
• United States
20 Oct 07
That is really mean that he laughed at you! I wouldn't have taken that! It is non of his business to judge you on your income! I bet they are paid on commission, or he was just a really stupid jerk!
@LocheDuvall (11)
• United States
20 Oct 07
Having been on the telemarketing end of that kind of conversation, both inbound and outbound, yes, most places do offer commission. They also tend to pay a ton of money for little to no work. Laughing at your income was probably a bad play on his part though. In that situation, I'd probably take some offense and speak to a manager. It's not that hard to keep your cool when on their end of the phone, just imagine how many times they get rejected.
@milind_runescape (17)
•
20 Oct 07
hmm rofl i found this story funny when i read it but to be honest i have faced similar situation..i once went to bank to apply for gold debit card and found that i need 300 us$ minimum balance for a quarter..and i have like 50 $ max in my savings account..lol
@nibbles (4)
• Australia
20 Oct 07
It was very unprofessional of him to laugh at your income. Good on you for turning him down. I worked in a bank for 16 years and believe me a credit card is the downfall of most young people, they run up the credit card to its max and then they are back to square one trying to pay it off. A credit card is for someone that is really very diciplined. Good luck with your studies and enjoy the no bills and no rent while you can.
@mikeyr6000le (2123)
• United States
19 Oct 07
You should be ashamed of it. You are doing something with your life instead of being a telemarketer. When he said you need another job you could have just replyed "Yeah I thought about taking a telemarketer job but I have to much brains to do a job like that." Then hang up. I myself like having fun with them most of the time. Other times I just repeat I'm not interested about 3-4 times then say bye.
@Dee351972 (743)
•
20 Oct 07
hi, sorry that guy laughed at you. That was very mean. It is good you are going to school and trying to better youself. JUst keep your head up and keep going. YOu can do it. This day and age you need your eduaction.
