This Is Why We’re In A Recession, Part We Don’t Even Know Anymore

, , , , , | Right | February 21, 2019

(I work for a credit card company. The calls are frustrating, and honestly, I am tempted to close so many accounts and transfer the customer to Spanish. This woman calls in confused about interest.)

Me: “Thank you for calling. How can I help you?”

Caller: “My name is [Caller]. Why is there a $1.63 charge in my account? It says it’s a finance charge?”

(Looking over her account I see she is referring to interest; the company just marks it on the statement as a finance charge.)

Me: “Ma’am, I show this is interest because you only make the minimum payment.”

Caller: “Yeah, because that is all I have to pay.”

Me: “That is what you have to pay to avoid a late fee, but to avoid interest you have to pay the full statement balance. I show you have been receiving interest for the last ten months.”

(I am about to end my shift and don’t want to argue, so I am going to offer to waive three months of the small, $2 charges to try and end the call, but before I can offer…)

Caller: “No. I just have to make the minimum. That is how I avoid it. I’m new at cards, but I know that is how it works. So, you are going to waive the interest and make sure it doesn’t show up again on my account.”

(I really want to yell at her but I decide to try and teach her with sense.)

Me: “Ma’am, that is not how interest is calculate—“

Caller: “How the h*** am I supposed to know that? I want it in writing!”

Me: “If you have a copy of your statement, it says it there—“ *reads off the whole paragraph of info* “It also said it on your terms and conditions you received with your card and whenever you make a payment.”

Caller: “What if I didn’t understand It?”

Me: “You could call in and we can explain it to you; that is what we are here for.”

Caller: “What if I don’t know what I need to ask? Or find out what I need to know if I don’t know?”

(Confused and in utter shock at the level of stupid I just heard, I have had it.)

Me: “Then you call in and start the call with, ‘I don’t understand how credit cards work; please enlighten me.’”

Caller: “F*** you, b****!”

(I hung up and noted how rude and stupid she was. Someone ended up listening to it and my supervisor came and spoke to me about it. They told me I should have just given her what she wanted. I left the next week.)

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