topic Re: i feel bad in Credit Cards

i feel bad

juggalo9er — Fri, 06 Feb 2015 16:03:02 GMT

For the first time i had trouble with cash back crediting properly to upromise, i am on the phone with someone who presumably makes less in a week than the cash back in am trying to reconcile.....29.58

Re: i feel bad

kdm31091 — Fri, 06 Feb 2015 16:13:20 GMT

I don't think you should feel bad in this case, but I do think some people need to remember that when you call and complain about more petty types of things, you are talking to a real person, who likely makes very little money, and likely is worn down from being yelled at all day. Don't make their lives worse by being a PITA about everything.

OP, you aren't a PITA for this -- but some people call for the most ridiculous and miniscle of things, where really, do you need to bother them? Having a reputation as a PITA customer is not a good thing. If someone is a pain, they are less likely to be helped out -- that's just the truth. I'm in customer service. If a customer is rude and demanding and annoying, they are way less likely to be given something vs. someone who is polite and understands you're going out of your way to accomodate them and appreciates it.

I fully support calling because of a legit issue like yours, OP. Some people call over the silliest of things though, or the online chat, again it's still a person. No need to be condescending or rude. If they cannot help you, simply ask for a supervisor (politely) and go from there!

Think of it as the difference between calling and saying "refund my AF because I don't want to pay it because I'm special" vs. "I understand the AF is charged for a reason. I am evaluating if the card works for me. Are you able to credit a portion of the AF? If not, it's not big deal and I appreciate the benefits of the card" or something like that.

I think, and this is kind of a tangent, but as a country, the US has gotten really rude with customer service people. Whether it's at a retail cash register, in a restaurant, whatever -- you have to remember -- the person serving you is a person too. There is no need to be rude and nasty when someone is just doing their job. Throwing money at me when I ring you out? You know damn well I will make sure to be as annoying as possible back! This is a tangent and nothing to do with the OP's action, but people need to remember: flies with honey. Come on. Nobody's gonna bend over backwards for you just because you are being a toolbag. (And if they are, they will make sure you are noted as a terrible customer). Be nice.

Re: i feel bad

Anonymous — Fri, 06 Feb 2015 16:17:20 GMT

@kdm31091 wrote:
Think of it as the difference between calling and saying "refund my AF because I don't want to pay it because I'm special" vs. "I understand the AF is charged for a reason. I am evaluating if the card works for me. Are you able to credit a portion of the AF? If not, it's not big deal and I appreciate the benefits of the card" or something like that.

I like the second approach even if I feel like the first one.

"Do you know who I am?!"

Re: i feel bad

Anonymous — Fri, 06 Feb 2015 16:22:19 GMT

@Anonymous wrote:
@kdm31091 wrote:
Think of it as the difference between calling and saying "refund my AF because I don't want to pay it because I'm special" vs. "I understand the AF is charged for a reason. I am evaluating if the card works for me. Are you able to credit a portion of the AF? If not, it's not big deal and I appreciate the benefits of the card" or something like that.

I like the second approach even if I feel like the first one.

"Do you know who I am?!"

Oh, I feel FSR phobia coming on. I prefer:

"Look, I didn't make you take the job in Customer Service. Your choice. I DID make the choice to get this card and I expect excellent service right now. If you are mentally incapable, or untrained, or merely too lazy, connect me NOW with someone who can at least make an attempt to give me the service your company has promised. Hurry up."

Works every time! Or so I am told.....

Re: i feel bad

Anonymous — Fri, 06 Feb 2015 16:23:57 GMT

@Anonymous wrote:
@Anonymous wrote:
@kdm31091 wrote:
Think of it as the difference between calling and saying "refund my AF because I don't want to pay it because I'm special" vs. "I understand the AF is charged for a reason. I am evaluating if the card works for me. Are you able to credit a portion of the AF? If not, it's not big deal and I appreciate the benefits of the card" or something like that.

I like the second approach even if I feel like the first one.

"Do you know who I am?!"
Oh, I feel FSR phobia coming on. I prefer:

"Look, I didn't make you take the job in Customer Service. Your choice. I DID make the choice to get this card and I expect excellent service right now. If you are mentally incapable, or untrained, or merely too lazy, connect me NOW with someone who can at least make an attempt to give me the service your company has promised. Hurry up."

Works every time! Or so I am told.....

LOL.

Re: i feel bad

juggalo9er — Fri, 06 Feb 2015 16:25:04 GMT

i try to be nice to people....point in case last night i really wanted a starbucks drink from a gas station, there were none in the customer area

the clerk volunteered to go get me one from the cooler

to reward him i bought 2 five dollar scratch off tickets andgave him one, they are not allowed to accept cash

Re: i feel bad

Callandra — Fri, 06 Feb 2015 16:26:38 GMT

@kdm31091 wrote:
I don't think you should feel bad in this case, but I do think some people need to remember that when you call and complain about more petty types of things, you are talking to a real person, who likely makes very little money, and likely is worn down from being yelled at all day. Don't make their lives worse by being a PITA about everything.

OP, you aren't a PITA for this -- but some people call for the most ridiculous and miniscle of things, where really, do you need to bother them? Having a reputation as a PITA customer is not a good thing. If someone is a pain, they are less likely to be helped out -- that's just the truth. I'm in customer service. If a customer is rude and demanding and annoying, they are way less likely to be given something vs. someone who is polite and understands you're going out of your way to accomodate them and appreciates it.

I fully support calling because of a legit issue like yours, OP. Some people call over the silliest of things though, or the online chat, again it's still a person. No need to be condescending or rude. If they cannot help you, simply ask for a supervisor (politely) and go from there!

Think of it as the difference between calling and saying "refund my AF because I don't want to pay it because I'm special" vs. "I understand the AF is charged for a reason. I am evaluating if the card works for me. Are you able to credit a portion of the AF? If not, it's not big deal and I appreciate the benefits of the card" or something like that.

I think, and this is kind of a tangent, but as a country, the US has gotten really rude with customer service people. Whether it's at a retail cash register, in a restaurant, whatever -- you have to remember -- the person serving you is a person too. There is no need to be rude and nasty when someone is just doing their job. Throwing money at me when I ring you out? You know damn well I will make sure to be as annoying as possible back! This is a tangent and nothing to do with the OP's action, but people need to remember: flies with honey. Come on. Nobody's gonna bend over backwards for you just because you are being a toolbag. (And if they are, they will make sure you are noted as a terrible customer). Be nice.

Don't get me wrong here but I'm not sure where the OP said they were being a PITA. Sure, they most likely are talking to someone with not-so-good English who makes very little but if for whatever reason, the request isn't going through, just ask for a US-based CSR (and if that doesn't work, talk to the US-based CSR's supervisor).

I totally agree with your rant of course; I've worked in customer service my whole career (I was a teacher for 5 years as well...and trust me, dealing with parents is customer service!!). I had to bold that line about throwing money; when I worked at Target, my coworkers would complain about people throwing money on the counter -- I liked that!! I always got stuck with the people who would put money (and coupons) on the BELT...and lalala lo-and-behold, the money gets stuck in the belt!! I once had to have my coworker take the whole machine apart to get this woman's $20 bill out. Seriously, you can't put it on the counter??

Re: i feel bad

Creditaddict — Fri, 06 Feb 2015 16:26:53 GMT

@Anonymous wrote:
@Anonymous wrote:
@kdm31091 wrote:
Think of it as the difference between calling and saying "refund my AF because I don't want to pay it because I'm special" vs. "I understand the AF is charged for a reason. I am evaluating if the card works for me. Are you able to credit a portion of the AF? If not, it's not big deal and I appreciate the benefits of the card" or something like that.

I like the second approach even if I feel like the first one.

"Do you know who I am?!"
Oh, I feel FSR phobia coming on. I prefer:

"Look, I didn't make you take the job in Customer Service. Your choice. I DID make the choice to get this card and I expect excellent service right now. If you are mentally incapable, or untrained, or merely too lazy, connect me NOW with someone who can at least make an attempt to give me the service your company has promised. Hurry up."

Works every time! Or so I am told.....

LOL, Love this!

Re: i feel bad

Anonymous — Fri, 06 Feb 2015 16:27:42 GMT

@juggalo9er wrote:
i try to be nice to people....point in case last night i really wanted a starbucks drink from a gas station, there were none in the customer area
the clerk volunteered to go get me one from the cooler
to reward him i bought 2 five dollar scratch off tickets andgave him one, they are not allowed to accept cash

Would be SO mad if the clerk got the big winner.

Re: i feel bad

juggalo9er — Fri, 06 Feb 2015 16:29:20 GMT

@Anonymous wrote:
@juggalo9er wrote:
i try to be nice to people....point in case last night i really wanted a starbucks drink from a gas station, there were none in the customer area
the clerk volunteered to go get me one from the cooler
to reward him i bought 2 five dollar scratch off tickets andgave him one, they are not allowed to accept cash
Would be SO mad if the clerk got the big winner.

thats what i was hoping for

Re: i feel bad

kdm31091 — Fri, 06 Feb 2015 16:34:12 GMT

Make no mistake: the OP never said they were being a PITA. They sounded like they felt bad because they thought they were being a pain, that's all.

"I expect excellent service" kind of sounds like the typical US entitlement to me. Yes, a company should prove what they promise, but a CSR is not automatically lazy if they aren't helping you. Most CSRs in credit card companies, or really workers in retail in general, have very little authority to do much for you. You should simply ask for a manager if you aren't being helped, not crow about how you need excellent service, because that is self explanatory and saying it just makes you sound snobby, IMO. That being said, yes, there are some CSRs/workers who are truly lazy and don't care about their jobs, and that is inexcusable as well. Despite the low pay, they should be happy to have a job and certainly do what they can to help somebody -- but that's just it, they can only do what they can do, and it doesn't mean they are lazy. It's just how most companies are structured. At my store, my cashiers need managerial approval for almost every refund or void. Does that make them lazy because they can't help you all by themselves? No, what it means is the company is structured incorrectly and leaning too far in the direction of giving low level people absoultely no power. A cashier/CSR who you interviewed and hired SHOULD have basic capabilites, and with regard to credit cards, should be able to accomodate more requests than what they can.

Whatever approach works for you, works for you. I just try to always be polite, because I know how it is working with the public and they are often rude and treat workers like trash for no reason.

Re: i feel bad

Anonymous — Fri, 06 Feb 2015 16:37:06 GMT

@juggalo9er wrote:
i try to be nice to people....point in case last night i really wanted a starbucks drink from a gas station, there were none in the customer area
the clerk volunteered to go get me one from the cooler
to reward him i bought 2 five dollar scratch off tickets andgave him one, they are not allowed to accept cash

juggalo9er

Your one of a kind You will go a long way with that type of attitude

Re: i feel bad

juggalo9er — Fri, 06 Feb 2015 16:37:54 GMT

I make more than I could ever need..... why not be nice

Re: i feel bad

kdm31091 — Fri, 06 Feb 2015 16:43:21 GMT

Good for you juggalo. People like you give me faith in humanity. Lol

Re: i feel bad

Anonymous — Fri, 06 Feb 2015 16:47:20 GMT

@kdm31091 wrote:
Good for you juggalo. People like you give me faith in humanity. Lol

Even if you did BT $11.

Re: i feel bad

juggalo9er — Fri, 06 Feb 2015 16:55:49 GMT

$11 for three months. ...

Re: i feel bad

Callandra — Fri, 06 Feb 2015 17:08:04 GMT

@juggalo9er wrote:
I make more than I could ever need..... why not be nice

Sharing is caring

Re: i feel bad

jim44 — Fri, 06 Feb 2015 18:40:23 GMT

Thanks for letting me share too. For three years I made regular trips from FL to NYC and had to drive....not my choice. The worst part for the first year was the toll booths on the NJ Turnpike. Had a toll booth close 3 cars before me and we all had to back out and try a different lane. NO ONE wanted to slow down long enough to let us move over. Finally a car let us in and I paid for their toll. On the was back I let another driver in my lane ahead of me. He did the same thing for me.

It's all about Karma and after working in a information gathering field for over 20 years, I learned that all it take is to show an interest in someone, be nice to them and you will find that they will flip over backwards to help you. People aren't generally mean spirited...sometimes it's just tough to keep up in this world.