I just got off the phone talking with BPI's phone banking system - 89100.
I called them about cancellation of my credit card.
I somehow feel cheated because:
1. I waited for 16 minutes before getting to talk to a phone banker.
2. After telling that I wanted my credit card to be cancelled, the phone banker immediately asked why I wanted to cancel it. As I do not want to be tied to credit cards anymore, and having one will entail you paying annual fees, I casually said that I didn't want to pay any of those fees anymore.
3. The phone banker said that 'what if we can waive the annual fees'? I said no, I do not want it anymore.
4. Having a balance in installment the phone banker said I will have to pay a pre-termination of installment fee (last installment payment of P612.00) and the pre-termination fee is P540.00, the phone banker is using additional cost in order for me not to cancel.
5. I immediately called his attention to a very wrong option being offered to me! I said I wanted the card cancelled, and that is final.
7. He then put me on hold again as he needs to transfer me to another department who processes the cancellation. After being put on hold for two minutes, the phone banker says that the lines are full and that they will call me within the week.
I feel so cheated because it seems that cancelling your credit card is such a hassle for time, effort, and even emotion. Banks really do not want you cancelling your credit card because one credit card is an opportunity for the banks for a lot of earnings!
If they do not call me within this week I promise that this BPI credit card I have will be cancelled within this coming month of July! Be wary of credit cards, they are easy to get and even easier to use, but is very, very hard to pay off, and get out off! It's like a bad relationship, dragging, complaining, and fated to fail.
I called them about cancellation of my credit card.
I somehow feel cheated because:
1. I waited for 16 minutes before getting to talk to a phone banker.
2. After telling that I wanted my credit card to be cancelled, the phone banker immediately asked why I wanted to cancel it. As I do not want to be tied to credit cards anymore, and having one will entail you paying annual fees, I casually said that I didn't want to pay any of those fees anymore.
3. The phone banker said that 'what if we can waive the annual fees'? I said no, I do not want it anymore.
4. Having a balance in installment the phone banker said I will have to pay a pre-termination of installment fee (last installment payment of P612.00) and the pre-termination fee is P540.00, the phone banker is using additional cost in order for me not to cancel.
5. I immediately called his attention to a very wrong option being offered to me! I said I wanted the card cancelled, and that is final.
7. He then put me on hold again as he needs to transfer me to another department who processes the cancellation. After being put on hold for two minutes, the phone banker says that the lines are full and that they will call me within the week.
I feel so cheated because it seems that cancelling your credit card is such a hassle for time, effort, and even emotion. Banks really do not want you cancelling your credit card because one credit card is an opportunity for the banks for a lot of earnings!
If they do not call me within this week I promise that this BPI credit card I have will be cancelled within this coming month of July! Be wary of credit cards, they are easy to get and even easier to use, but is very, very hard to pay off, and get out off! It's like a bad relationship, dragging, complaining, and fated to fail.
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