Credit card "offers"...
I was never a fan of the modus operandi of the credit card companies. Be it here in India, where they are let loose by the law, or in US where there are strict laws on what they can and cannot do, they seem to find ways to trick users into believing this new "offer" is the best thing in the world.
Today, I received a statement from my credit card company. Usually, I just do a cursory scan through the statement, and doesn't look much into the detail. I belong to that category of credit card holders, who pay the full amount due every month, and pay "no interest" to the credit card companies. So they are trying to find new ways to extract money out of me. I think what I saw in my credit card was one such attempt. There was one line saying "Safety Net EMI 01 of 12 - Rs 79.00".
I started wondering, what in the world is this safety net. I don't remember buying any such thing. To top that, I don't buy anything with EMIs. When I looked further, there was this line, somewhere in the bottom of the card, saying "PRINCIPAL BALANCE ON EASY PAY - Rs 869.00". I got a bigger shock then. So I decided to call the credit card company to find out what this is all about.
Calling credit card customer care is not something I enjoy doing. They have a telephonic menu hierarchy built so complex, that you will never find how to really talk to a customer service (or no-service?) agent. It went "press 1 for the list of your last 5 transactions", "press 2 for..." etc. till "press 6 for.." No "press for" to talk to a customer service agent. So I started pressing numbers which were not listed. By intution I pressed "0", and I believe I got lucky this time. The information I got was that "this is an offer to the customers"!!! An offer which charges me for Rs 950!!! And that too without my knowledge. I immediately asked the individual to cancel that "offer". I am going to write a formal letter to the credit card company about this.
I used to this radio talk show by the person named "Clark Howard", when I used to live in Milwaukee. I liked his advices on credit/debit card usages. Interested, you can click here to see Clark's tips on credit cards.
Recently, there was an article in Readers Digest about credit card fraud. What they found was shocking. I would recommend everyone to read that article. After reading that article, I started noticing that in majority of the places I went, the person who swipe the card never verify the signature on the card vs the signature you put on the slip. So anyone can purchase anything using a stolen card, and you are liable to pay for it - unless you call the credit card company before the actual charge has occurred...
posted by Shibu Pillai | 10:11 PM
22 Comments:
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Well I just got back from the gym and I am beat. I am currently doing some research on card credit merchant service and stumbled across your blog. Which cracks me up really. The internet can certainly land you off base sometimes. Even though Credit card is not completely related I think it is a cool blog. I have read back through the archives and lots of people make some very good points. Well I have been on-line forever it seems. I need to continue to plug away at card credit merchant service. If you have the energy swing by card credit merchant service. I try to update my site weekly and maybe you will see something you like. I already snagged your URL and put it in my favorites. If you do not mind I will be back again. Great job!
Well I just got back from the gym and I am beat. I am currently doing some research on card credit marbles and stumbled across your blog. Which cracks me up really. The internet can certainly land you off base sometimes. Even though Credit card is not completely related I think it is a cool blog. I have read back through the archives and lots of people make some very good points. Well I have been on-line forever it seems. I need to continue to plug away at card credit marbles. If you have the energy swing by card credit marbles. I try to update my site weekly and maybe you will see something you like. I already snagged your URL and put it in my favorites. If you do not mind I will be back again. Great job!
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blog to my favorites list so I can come back later on and read some more stuff. Well I guess I should get back to researching card credit free no porn.
Even though my search is not on Credit card I am glad I came across your blog. Keep blogging away!
I love your blog Shibu Pillai. How long has it been on-line? Reason I ask is I am doing a ton of work in the area of card credit payment and will probably end up starting a blog of my own. Funny how the internet brought me here when I was doing searches on card credit payment. Oh well, I am glad it did. Keep up the great blogging and I am sure I will visit Credit card again!!
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What up Shibu Pillai! I just finished up a ten hour work day and decided to kick back and do some surfing. So I grabbed myself a drink and stumbled across your blog while doing some research on card credit payment for a upcoming project I am doing. Well even though Credit card isn’t what I was looking for I really enjoyed reading your blog. Your doing a great job and please keep up the good work. Lots of people do not keep their blogs up to date :0) There are some very interesting view points stated here. Anyways I am going to grab the bull by the horns and continue to plug away at card credit payment. I have already bookmarked your blog. You many want to visit me at card credit payment. You never know you might see something you like! Again great job.
All I can say is WOW Shibu Pillai. The other half and I just got back from our friends house (well her friends house) and I needed a huge break. I am working on a project right now that is based on card credit household. I have literally been on-line for 2-3 hours doing research. Even though Credit card really isn’t on the same page as card credit household I am certainly glad I came across your blog. There are a ton of great view points on this blog. Well I think I can here the kids screaming in the background. I put you in my internet favorites and I will certainly come back and visit. If you want to take a peek at my site you can find me here at card credit household. I update my site very frequently. Again, great job blogging and I will be back again soon!
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blog to my favorites list so I can come back later on and read some more stuff. Well I guess I should get back to researching 0 card credit interest.
Even though my search is not on Credit card I am glad I came across your blog. Keep blogging away!
Hi Shibu Pillai your blog is really great! Wow :-) As I was out blog surfing and surfing the web for detailed info on 0 card credit interest I stumbled across your blog. Obviously my search landed me here and it is a little off subject compared to Credit card , but I am certainly glad I did come across your blog. Did I already tell you I like it! If you would not mind, I would like to add your link to my "favorites" page to come back and read again sometime. Should you ever need it, there's lots of information on this site about 0 card credit interest. Again, great blog and keep up the great work!
All I can say is WOW Shibu Pillai. The other half and I just got back from our friends house (well her friends house) and I needed a huge break. I am working on a project right now that is based on card credit household. I have literally been on-line for 2-3 hours doing research. Even though Credit card really isn’t on the same page as card credit household I am certainly glad I came across your blog. There are a ton of great view points on this blog. Well I think I can here the kids screaming in the background. I put you in my internet favorites and I will certainly come back and visit. If you want to take a peek at my site you can find me here at card credit household. I update my site very frequently. Again, great job blogging and I will be back again soon!
I actually found Low APR Credit Card Offer to be a pretty useful resource on credit card data in India. I used it recently for a universiy report.
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