Blah Blah asked:
I have to answer customer’s problems in retail when their store credit cards have problems. Lots of their questions are very stupid to me.
What do you think?
-The credit card is declined while their is avaliable credit. Min. payment has been missed for two months. Card will not go through as min. payment was missed for two months.
-Different social security number was used to open credit card. Credit card is unusable until the correct social is implecated on the card. Owner does not understand how this is her problem and claims that despite her credit affecting someone else, the account should be hers cause her name is on it.
-Customer open a joint account and does not understand why her husband’s transactions are on the same bill and why it is address to the two of them and not individually.
-Open 5 accounts and max out each one, complains being denied for card number 6.
-has two different accounts and continuously make payments on the wrong account saying the two different accounts does not matter. Even though the numbers are different.
-Made a return and does not understand why the return is listed under credit. And demands that a seperate column be made on the statement indicating a credit is a return???
-Why do I get questions this dumb and more everyday? Why are they even given credit cards? Why do people charge for unnecessary items when it’s clear they are in finacial debt?
When the min. is 10 and the full bill is 12. and they have 20, they complain that after paying 10 they do not wish to pay interest of the 2 dollars? Why complain about interest if you have the money avaliable right then and there to avoid it?
How come nobody seems to know how to use a credit card properly? You pay it off as soon as possible, keep it safe, and sit back and wait for points.
That is true because I have to deal with credit cards I’ll know more. But I’m just the guy at the register, i do not have full access to anyone’s account. And most of my answers are extremely basic in retrospective.
I mean, oh you went over the limit that is why the card is decline. Credit increase will not work for these reasons. It can end up as a 15 min. explaination and I feel the other person still does not fully understand.
SHALANDA
Comments
The majority of people are uninformed on proper credit usage. After all, stores, banks, and lenders will make credit look appetizing so that they can enslave individuals. They want more people using credit so that they will get more money through interest and late fees.
Everytime I shop at a department store, the cashier always offers me to sign up for a department credit card to save $5. When I was younger, I would always say yes even though I knew I’d be denied….just to save $5. Now, I always say no. I had to learn about credit on my own. My parents had 10 credit cards each, and used each credit card to pay off the bill of the other credit card. They are definitely not a good source of credit information.
Because there are a lot of dumb people out there! Why else?? However, everyone answers dumb questions at their job every day. you are not alone.
I dont know anything about credit cards or loans savings etc my husband deals with them .But its easy for you as you work in the job you got your training etc .I work for an Airline for 10 years and the things I have heard from people still surprise me .But remember its my job in the Airline and yours in Credit .So I know more about Aviation and travel then you because its my job.