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I work in a call centre for a credit card company, so I get lots of people ringing up wondering why they've been charged interest on their supposedly 0% balance transfers etc. Nothing unusual in that, but this one today amused me:
(A perfectly nice woman rings up, has previously called to see why she is being charged interest on her card)
C: Im being charged interest in january, and im sure i saw something last year that said i had interest free until feb this year. I phoned up before and they said to find some proof of this offer and call you back. Now I've got this leaflet which says i shouldnt be charged any interest so i want it all refunded!
ME: Ok, well i can see your account had an interest free promotion from june to december last year, what does your leaflet say?
C: "Thankyou for joining xxxxx, as a valued customer we are pleased to offer you 0% on balance transfers until february 2006". Do you want as copy of this? it says no interest until february!
ME: Ok I think I see the promblem. It is jan 2007, that says feb 2006, doesnt it?
C: Um...Well...*hear realisation dawning*... yes... but Im sure I dont have to pay any interest until feb this year so what are you going to do about taking this interest charge off?
ME: Do you have any proof that you have interest free? Your account says the last offer ran out in december.
C: Well no, but I thought it was until feb so its ok.
ME: I'm sorry but unfortunately it was only til dec.
C: Ok, so what do I need to do for you to take this interest off then?
ME: I can't take the interest off, its something you agreed to pay when you took out the credit card.
C: Even if I thought I didnt have to pay any?
ME: If you can produce some concrete evidence of this being offered to you, then we can sort this out, otherwise i cannot help you any further.
I wasnt so much amused by her not even reading through what she had dug out as proof before calling us, but by her trying for a refund anyway (and why not!) after she knew there was no offer.
(A perfectly nice woman rings up, has previously called to see why she is being charged interest on her card)
C: Im being charged interest in january, and im sure i saw something last year that said i had interest free until feb this year. I phoned up before and they said to find some proof of this offer and call you back. Now I've got this leaflet which says i shouldnt be charged any interest so i want it all refunded!
ME: Ok, well i can see your account had an interest free promotion from june to december last year, what does your leaflet say?
C: "Thankyou for joining xxxxx, as a valued customer we are pleased to offer you 0% on balance transfers until february 2006". Do you want as copy of this? it says no interest until february!
ME: Ok I think I see the promblem. It is jan 2007, that says feb 2006, doesnt it?
C: Um...Well...*hear realisation dawning*... yes... but Im sure I dont have to pay any interest until feb this year so what are you going to do about taking this interest charge off?
ME: Do you have any proof that you have interest free? Your account says the last offer ran out in december.
C: Well no, but I thought it was until feb so its ok.
ME: I'm sorry but unfortunately it was only til dec.
C: Ok, so what do I need to do for you to take this interest off then?
ME: I can't take the interest off, its something you agreed to pay when you took out the credit card.
C: Even if I thought I didnt have to pay any?
ME: If you can produce some concrete evidence of this being offered to you, then we can sort this out, otherwise i cannot help you any further.
I wasnt so much amused by her not even reading through what she had dug out as proof before calling us, but by her trying for a refund anyway (and why not!) after she knew there was no offer.
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