This Is Why We’re In A Recession, Part 55

| Right | September 2, 2016

(I work in a high end makeup retailer that has just recently gotten a credit card program. We have had a points-based rewards program for a long time, and our systems base pre-approval off of a customer’s rewards card’s history.)

Me: “Can I get your phone number for your rewards card?”

Customer: “It’s [phone number].”

(The screen comes up with the message that the customer has been approved for the highest level of the credit card, which is able to be used anywhere, not just in our stores.)

Me: “Congratulations! You’ve been pre-approved for an [Store Rewards Brand] credit card! With that card you’re going to earn extra points on the purchases you make in the store, and get 20% off of your purchase today. Are you interested in signing up?”

Customer: “Sure! Sounds great!”

Me: “Okay! Just go ahead and select one of the options on the screen in front of you.”

(The options include: “Yes, sign up”, “No, this isn’t me”, or “No, not at this time”. After the customer chooses “Yes, sign up,” I continue to read through the customer’s reward information in great detail, including the spelling of her first and last name, address, email, birthday, etc., as they have to be completely accurate to make sure that the approval goes all the way through.)

Me: “All right, on the screen in front of you it’s going to have you read over all of the information that we just went over, just to double verify that it is all correct and your information.”

(The customer clicks yes and it goes to the next screen, asking her to verify her social security number.)

Customer: “Oh, I don’t know my mom’s social security number… I might know it; I could try to guess. Or I could call her…”

Me: “You told me that that was your information, not your mom’s. We can’t open a credit card in her name without her here… Did you see the button that said, “No, this isn’t me”?”

Customer: “Yeah, but we just share the same rewards card, so I thought it would be fine.”

(I exited out of the credit pre-approval and finished her transaction as usual. I gave her the credit brochure and told her to give it to her mom. I’m interested to know what happened after her mom found out her daughter tried to sign her up for a credit card!)

 

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