CIBC credit card bullshit
Sep. 27th, 2009 03:30 pm![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
guslThis month I got charged $20 for going over my credit card's limit and not paying the difference before the billing date (how was I to know that I was over?!). This was apparently in the small print of the cardholder agreement.
I called them and asked them to make sure my card gets blocked before I went over (rather than $15 after), in order to spare me from unnecessary fees. They said that this isn't possible, which essentially forces me to monitor my balance. Ah, the anger!
What annoys me most is that when I was signing up, I discussed it at length with the bank lady, asking if there were any other fees I should be aware of, etc, and she said no.
Here's a really simple idea for helping customers: simulation games. Simulate using your credit card over some time, and see what happens at the end. Don't just talk about the future abstractly... simulate it in detail, and see what issues come up. This one certainly would have.
If their goal isn't to trick me out of my money, they should listen to ideas like this.
My credit is still perfect, however.
I called them and asked them to make sure my card gets blocked before I went over (rather than $15 after), in order to spare me from unnecessary fees. They said that this isn't possible, which essentially forces me to monitor my balance. Ah, the anger!
What annoys me most is that when I was signing up, I discussed it at length with the bank lady, asking if there were any other fees I should be aware of, etc, and she said no.
Here's a really simple idea for helping customers: simulation games. Simulate using your credit card over some time, and see what happens at the end. Don't just talk about the future abstractly... simulate it in detail, and see what issues come up. This one certainly would have.
If their goal isn't to trick me out of my money, they should listen to ideas like this.
My credit is still perfect, however.
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(no subject)
Date: 2009-09-29 12:26 am (UTC)On the Internet, it's easy to be deadpan... I think deadpan-ness highlights the paradox of humor: if the meaning is clear to everyone, it's not funny anymore. Every good joke needs a potential butt.