Thursday, December 07, 2006

Credit Cards

I hate credit cards.

My wife and I use credit cards for many things. We always have credit cards with no fees and that give us cash back.

My wife loves credit cards.

We always pay them off in full every month.

Last night I did some research on our three credit cards and their terms. It took well over an hour to find out exactly what the terms were... The terms keep changing...

I then did some research on other credit cards. We need to get a new credit card to use in Europe. Mastercard and Visa now charge a 3% "transaction fee" on foreign transactions... I am not paying that when I go to Europe next year...

I sent away for four credit card applications. Three I was able to send in with no problem. The fourth is another story entirely...

The fourth did not have an email address. I had to call them. I called them 9 times. This 4th card is the one I really wanted. I never sign up on the phone or internet. I always make them send me the application in the mail so I can red the fine print and so that I have a copy of the terms in my file...

They kept transferring me from one department to another. Realize all I wanted them to do was to send me an application in the mail. They kept trying to get me to sign up on the phone. It was ugly.

There is a lot of incompetence in the Customer Service department of that specific credit card company!

It was awful.

Mike Sylvester

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