The Credit Card Company Hangs Up In MY Face!
By Rozie37
@Rozie37 (15499)
Turkmenistan
April 28, 2007 11:26pm CST
Okay, so I got my first credit card a couple of years ago. Everyone was saying that I needed to establish credit and that have no credit was the same as having bad credit. So I fail for it.
And like most people, I failed at it. Oddly enough, it was at this point that I started to feel like a real American, I was finally in debt, like almost everyone else.
Then, I got an unexpected shock. I was on the internet inquiring about debt management and I saw a story that a person had commited suicide because of debt. Now surely, I had heard this before, but this was the first time it hit home. I thought, no way, not me buddy.
So the companies started calling and I was very polite for a while, explaining that I did not have the money and that I would pay them as soon as possible. I finally realized that I was doing all this polite explaining for nothing, because when they got off the phone with me, they would stamp it as refused to pay.
So I had had enough of them asking me the same questions and then writing down the same answer as before. To me it did not make any sense to call me everyday, bug me and then write that same thing, so I turned the tables on them.
I said, you guys call me every day asking the same questions, I give you the same answers, and you write down the same answers. Do you know what the definition of insanity is? It is doing the same thing over and over and expecting different results. Click. Hello, hello, well I guess they hung up. Now they call me much less.
Another thing that they do is call me using an automated service. They say, this is an important call for, and then they say my name, and then tell me to hold on. I don't like being on hold when I call someone, yet they call me and tell me to hold on, yeah right, click.
2 people like this
2 responses
@teapotmommommerced (10359)
• United States
29 Apr 07
I have one company who does that to me and I will not talk to them or they have an automated system call me and say this is a message we have an important call for my name and have her please call his number. Well is they do not have the decency to have a live person call me then I will not call them.
@trinidadvelasco (11401)
• Philippines
29 Apr 07
that is a difficult situation that you are in, rozie. and it is a highly undesirable one at that. oh, you are telling me now that i did it right when i never listened to the cajoles of those credit card agents for me to secure a credit card. i consider myself poor and i told them that i prefer to pay in cash all the time. the 3% monthly interest that my purchases carry is too high by itself. my bank offers credit card to its clients for no joining nor yearly fees, just that 3% monthly interest for the purchases. isn't that big?
for your case thuogh, it is a different story since you have already fallen for it. just answer those collection agents with anger in your voice. then tell them to wait till you come to them because you are paying. then hung up. I have some friends who have become collection agents and they told me that they had to go through some trainings so as to make the failing client pay. at first, they will talk to you normally, then it gets harsher each day. well, that is their job...



