Credit card referrals --- Are you elated or annoyed by them?

Hi Benny, I know the feeling. I, too, haven't had a credit card for years. I had a nightmare with it because I have a problem controlling impulse buying, lol. I am glad I am out of it now. I answer calls for the office. I often get these calls for co-workers and for me, too. It won't take long for them to start selling because I tell them that such things are not allowed in the office. I also tell them that nobody is interested in credit cards anymore because they can no longer pay their debts and with the legal collection cases that they are facing because of it, hahahaha. This makes conversation really short, lol.

Hi Joseline. It is really surprising how they get our names or contact numbers. Their research team must be very good so that even people who have long retired from the service, they still ask to talk to them, lo. I answer the calls for the office and sometimes they ask for people who have been separated as long as 6 years ago, lol. I guess they get their sources from the other credit card companies' database. Yes, to entice you more, they say that they have pre-approved a certain limit for you. Credit cards are okay as long as you can pay. But despite that fact, it would come out costly for credit card holders as the items become expensive because of the interest charges and annual fees.

It is a useful tool indeed especially for people like you who knows how to control spending and, of course, who knows how to keep their credit standing high. Thanks and have a nice day!

Actually, my bank gave me my second credit card. They get data from employees, referrals and banks, especially when you are of good standing (i.e. long history of banking relationship). I was supposed to throw it away but my aunt told me to keep it instead. Low annual fee compared to my first credit card (they do not have an annual fee, monthly fee instead and the beauty of it, they will waive it subject to the minimum spending). I am pretty careful not to overuse my credit card.

Hi Gabs, It is really annoying to receive calls like this. This is especially so at a time that you are so preoccupied with work. It is annoying to know how they get your contact numbers and some information. Sometimes, when you say No, they still ask you if you have also other friends whom you can recommend. It is really annoying but you will always find a way to get out of this situation in a nice way.

Yes, as lots of others and I would. Thanks, Bellis.

Yes, I think so, too. Because of the stiff competition of the banking business and credit card companies, they are enhancing their marketing efforts to get clients. It is really annoying when they call and start to talk about getting cards from them. I always find that they "steal" our working time just to answer their calls and help them in their targeted quota in their marketing work. When I answer these calls, I always tell them that we are not allowed to entertain marketing calls during office hours and it is not an official business for the company.

Yes I understand. When we are really busy and running short of time these people become real headaches. But one can't be rude as they are doing their duty to the best of their ability. We have to take all these things with a little pinch of salt.

Yes, you are right!

Hi Dorannmwin, You are right. I had a bad experience with credit cards and it has been a long time now that I don't have a single credit card. It is giving me some kind of relief not to be stressed when payment due dates arrive. Without a card, I have become more patient. I wait till I have enough funds to buy something which I like. I learn how to priorities my purchases.