plastic trouble!
back in march, i got phonecall from satelindo reference offering me credit card. i was reluctant at first. i had tons of reasons to be. i had two cards back then, was busy with work and was just too lazy to go through all the application thing. however, they told me that they were going to offer me free annual fee and all i had to do was to fax them my id. and since they were from citibank, i trusted them.
so i did. my card arrived about 10-15 days later. i was surprised that they were so fast, but delighted. when i called to activate the card, the female phone officer told me that i would get a refund of rp 200.000 if i spend over some limit. then after knowing that it was a gold card, she said i will get rp. 500.000 if i were to spend more than rp 1.200.000 during the first 45 days. can you imagine how excited i was? free annual fee and then refund rp. 500.000? i could never miss that out!
after a few days and spending rp. 1.200.000, the not so smart female officer rang me up to inform me that she had the wrong information. this was because i was in the "free annual fee" program and could not get the refund. i was a little frustrated but i guess it's okay. i still get free annual fee and people do make mistake sometimes, even me.
the next one month was fine, till i got another phonecall from citibank asking me if i did any bidding on ebay. "no" i replied. as far as i know, indonesian credit card holders are not allowed to purchase on amazon. not sure about ebay though. the nice officer asked me to cut my card and that she will send me another one asap.
later, i got my new card. i thought that citibank was great. they even call up their customers for overseas transactions these days!
one day by chance, i called up to check on my expenses. the male officer told me that i was charged rp. 300.000 for annual fee. i was shocked. so i told him what happened. before the conversation ends, i was already frustrated because i had to explain to him everything from the start. then suddenly, the phone line was cut off. i was too pissed to even call the citibank phone banking to start telling them the story from the start. a few days later, when i felt a little better. i called up to tell them about the story, this time the female office told me that i was not charged with the annual fee. how pleasant is that!
then when i got my bill, there is a rp. 300.000 charge for my annual fee. transfered from my previous credit card! i called up to explain to them. they asked me to wait while they go check on it. i waited and waited... till the line went dead. i called back and the same thing happened again! by that time, i was getting frustrated at them. being angry, i decided to call it up and try another day. such irresponsibility for such a professional company!
a few days later, i called them up. said i wanted to close my account and did not want to pay for the rp. 300.000. male officer said he could only process to closing account when the bill is paid up. he also explained that i will only get the free annual fee if i sign up for satelindo billing. how great?!? and no one told me anything like that before?!? anyway, i went to pay up my bill and then call them up again a few days later. after talking for a while, i was transferred to closing account department. i think the girl was called micha or something. she offered to give me free annual fee for my gold card if i wanted to pay my phone bill via my visa. she was being really nice and the clear card "buy 1 get 1" is quite irresistable. so i said okay to it. plus, i got the girl's name as well.
within a few days, my clear card arrived. it was cool. cute... with many accessories. i was happy. so i thought everything's going to be cool now and deleted the girl phone officer name from my handphone.
when the bills arrived, i was unhappy! cos i had to pay for rp. 300.000 (the previous one on the gold) and also rp. 166.667 (the current mini). and their due date is only 15 days after they issue their bills. hsbc and anz gives 20, at least!
with only 15 days to pay up and the inefficient indo mail forwarder, it is of no wonder if people are being charged of finance charges every month. i also found out that they charge rp. 35.000 for late fee plus interest! they also charge interest on your annual fee if you refused to pay them.
anyway, today i learn to be smart. i jot down the phone officer's name, the time and the date. he said he is going to find out about my situation by 4 working days. i'm waiting. 30 september 2005 at 7 pm, i told him. if you happen to be the officer and is reading this, better remember to call me!
i hate empty promises. i hate being thrown here and there. i hate companies not owning up to their own mistakes.
some credit card providers have much better service. anz is one good explain. anz spots are everywhere and they bill me correctly. hsbc still has errors sometimes, but they will reverse it if you found out.
so i did. my card arrived about 10-15 days later. i was surprised that they were so fast, but delighted. when i called to activate the card, the female phone officer told me that i would get a refund of rp 200.000 if i spend over some limit. then after knowing that it was a gold card, she said i will get rp. 500.000 if i were to spend more than rp 1.200.000 during the first 45 days. can you imagine how excited i was? free annual fee and then refund rp. 500.000? i could never miss that out!
after a few days and spending rp. 1.200.000, the not so smart female officer rang me up to inform me that she had the wrong information. this was because i was in the "free annual fee" program and could not get the refund. i was a little frustrated but i guess it's okay. i still get free annual fee and people do make mistake sometimes, even me.
the next one month was fine, till i got another phonecall from citibank asking me if i did any bidding on ebay. "no" i replied. as far as i know, indonesian credit card holders are not allowed to purchase on amazon. not sure about ebay though. the nice officer asked me to cut my card and that she will send me another one asap.
later, i got my new card. i thought that citibank was great. they even call up their customers for overseas transactions these days!
one day by chance, i called up to check on my expenses. the male officer told me that i was charged rp. 300.000 for annual fee. i was shocked. so i told him what happened. before the conversation ends, i was already frustrated because i had to explain to him everything from the start. then suddenly, the phone line was cut off. i was too pissed to even call the citibank phone banking to start telling them the story from the start. a few days later, when i felt a little better. i called up to tell them about the story, this time the female office told me that i was not charged with the annual fee. how pleasant is that!
then when i got my bill, there is a rp. 300.000 charge for my annual fee. transfered from my previous credit card! i called up to explain to them. they asked me to wait while they go check on it. i waited and waited... till the line went dead. i called back and the same thing happened again! by that time, i was getting frustrated at them. being angry, i decided to call it up and try another day. such irresponsibility for such a professional company!
a few days later, i called them up. said i wanted to close my account and did not want to pay for the rp. 300.000. male officer said he could only process to closing account when the bill is paid up. he also explained that i will only get the free annual fee if i sign up for satelindo billing. how great?!? and no one told me anything like that before?!? anyway, i went to pay up my bill and then call them up again a few days later. after talking for a while, i was transferred to closing account department. i think the girl was called micha or something. she offered to give me free annual fee for my gold card if i wanted to pay my phone bill via my visa. she was being really nice and the clear card "buy 1 get 1" is quite irresistable. so i said okay to it. plus, i got the girl's name as well.
within a few days, my clear card arrived. it was cool. cute... with many accessories. i was happy. so i thought everything's going to be cool now and deleted the girl phone officer name from my handphone.
when the bills arrived, i was unhappy! cos i had to pay for rp. 300.000 (the previous one on the gold) and also rp. 166.667 (the current mini). and their due date is only 15 days after they issue their bills. hsbc and anz gives 20, at least!
with only 15 days to pay up and the inefficient indo mail forwarder, it is of no wonder if people are being charged of finance charges every month. i also found out that they charge rp. 35.000 for late fee plus interest! they also charge interest on your annual fee if you refused to pay them.
anyway, today i learn to be smart. i jot down the phone officer's name, the time and the date. he said he is going to find out about my situation by 4 working days. i'm waiting. 30 september 2005 at 7 pm, i told him. if you happen to be the officer and is reading this, better remember to call me!
i hate empty promises. i hate being thrown here and there. i hate companies not owning up to their own mistakes.
some credit card providers have much better service. anz is one good explain. anz spots are everywhere and they bill me correctly. hsbc still has errors sometimes, but they will reverse it if you found out.
posted by
evi | 00:50
|
0 comments
