A few months ago I bothered checking what sort of cash payback I was receiving from my Advanta Business Credit Card and it was so pitiful (.05% of my expenditures), I went credit card shopping. At that point I decided to close my Advanta, but previously you had to wait until the last charges came through, so I dutifully waited. And then I blew it. Because I wasn't actively using the credit card anymore, I stuck the bill on a pile, thinking there was nothing on it. I had forgotten about AUTOMATIC payments, and incurred a $39 late charge. I closed the account that minute, and discovered you apparently can close a credit card any old time; there had been no need to wait. Then the kicker. I had $29 in my cashback account, which they would not send me, because they will only issue checks for over $50. Of course it's written in 6 point type in the agreements, and they just kept repeating that over and over again, when I suggested they could at least have the customer service decency to credit it towards my extorted late payment. But no, they "cannot" do this.
I think being a customer service rep for a company like this - which gives them no leeway to use their common customer service sense - must just be hell. At least I can vent some steam on my blog. They have to treat customers like this all day long. When I told my husband the story he said it's not really customer service, it's Customer Disservice. "Welcome to Advanta. May I diss you?"
Yuch. That's what I have to say! And, watch your rear on automatic payments!
Thursday, June 28, 2007
Posted by Betsy Teutsch at 5:16 PM