credit card companys

[beast5680]

Barclays credit card statement comes through with a warning that i have made a late payment and they have removed my 0% interest rate only i havent as they have taken my payment before it was due according to my bank so all should be in order :roll:
so i ring the customer services who then inform me as i made a late payment i cant have the deal anymore, so i ask if the payment has gone from my bank where is it? oh if its gone says the lady we have recieved it :-. so a long conversation ensues about how she will make an exception and not charge me the late payment fee but i cant have 0% back
However having said fine i will be closing my account at my earliest convenience as the fact they have my payment on time she changes her attitude completly and gives me 0% back and raises my credit limit for me :?
these people enjoy hassling me i,m sure

call centres you gotta love em but at least the woman i spoke to i could actually understand as she spoke english and didnt have that thick new delhi accent that most seem to have :roll:

[Range Rover Blues]

Creditr card companies will be feeling the pinch at the moment I'm sure.  They take 4% from any CC purchase plus the interest they charge us, so loosing a customer at the moment won't make them happy.

Just like mobile 'phones ;)

[Disco Matt]

I have heard tales of people having their card cancelled, with no reason given. They'd paid it off in full each month and never been anywhere near their credit limit, a model customer in other words. Presumably this made them less profitable and thereby fair game as far as the bank was concerned, but how pathetic can you get? They kept to their side of the contract only for the bank to just drop them with no warning and no way to appeal.

As for callcentres, my experience with HSBC is that there is no earthly point in calling them, as they can't actually do anything. If I go into the local branch I find helpful staff who will do something very strange, to whit, use their access to the system to sort the problem out while I wait...

[beast5680]

As for callcentres, my experience with HSBC is that there is no earthly point in calling them, as they can't actually do anything. If I go into the local branch I find helpful staff who will do something very strange, to whit, use their access to the system to sort the problem out while I wait...

we never deal with the hsbc call centre now as it is total rubbish we ring local branch direct, they gave us the number when the call centre screwed up one call too many and the wife,s patience cracked, they said they get 90% of customers who have had call centre problems coming and complaining to the manager directly so they give the local number out now

[Range Rover Blues]

HSBC will be loosing my business very soon, they are just too incompetant for words now.

I'll be moving to the Nationwide, who have been brilliant so far ;)

[old joe]

i'm slowly moving to nationwide no problems don't ever think of going to Halifax

Massive nightmare

Dazza

[Spacemud]

At our place they called it 'best shoring'  :roll:

And as for talking to BT and Barclays, you can forget trying to understand them - sure they do it to stop you bothering them!

And what REALLY pigs me is that even when they say no about something,they still try to sell you some sort of insurance!!!

[Drift]

I paid my EGG  card off and just kept it for emergencies, it actually had about £20 in credit on it, they sent me a letter telling me they closed the account and moved the £20 to a savings account until I claimed it back   :shock:

Ive left it there and they have to waist time and resources sending me statements  :lol:

Seems I was a good customer and they where not making enough out of me  :roll:

[discowoman]

it was the same when we started buying the house we are in now - had rented it from the council for a few years then decided to buy, the preious tenants had blacklisted it to the hilt - so we managed to get a mortgage - BUT No bank would allow us to open an account to pay the mortgage back - great eh?
we had been given thousands no problem, but couldnt pay it back - luckily Ma-in-law came to the rescue and opened an account for us!

[Bunnie]

I paid me barclay card off... next min in know im getting a letter saying we have reduced your credit limit.... to £250! it was more than that when i opened the account as a student! they got told where to shove there new credit limit and i closed the account!