詳讀信用卡所有規則的機率 - 海外工作
By Zenobia
at 2009-05-05T16:47
at 2009-05-05T16:47
Table of Contents
※ 引述《larrytang (單吊青發)》之銘言:
: ※ 引述《brandont (布蘭登)》之銘言:
: : 同一張卡, 原 Po 的經驗真的不是最慘的
: : 我一個朋友也是辦 Chxse credit card
: : 他同時還有兩三張卡可以用
: : 有一次去旅遊, 就刷 Chxse 卡
: : 結果刷爆了
: : 絕大多數的狀況, 一般信用卡刷爆了就不能用
: : 或是會有電話告知
: : Chxse 不是, 是每一筆不論大小收你 $20 的手續費
: : 對, 你沒看錯, $20, 而且那張密密嘛麻的規則紙同樣有告知
我根本沒有Credit Card, 是Visa
記得以前checking account overdraft 被罰 $20USD 都去跟他 argue就wavie.
幾個學期前 set up 另外的算法,變成罰$10USD
最近被連續罰了兩次 $10 USD overdraft.
跟他argue竟然也是完全不理我! :O
後來我有點怒了,就跟wellsfargo說應該設一個機制告訴客戶他們checking account
快沒錢才對,不然實在不太合理。我又不是saving account 沒錢或者卡刷爆跟銀行
呆帳借錢! 我平常很忙哪有時間常常去check,只能知道個大概數目而已。
存了那麼多錢在銀行讓他們用,不但利息比台灣爛那麼多,竟然還要常常被罰這種錢ꄊ
結果那個女客服態度超差,也不太會講話,竟然跟我說什麼別家銀行罰得更多,
要不你試著轉去別家看看。我當下就跟他說我覺得你這樣說很不對,身為銀行員應該
要為客戶著想提供更多方法讓客戶滿意,況且我的抱怨並非不合理。
後來manager出來了,馬上跟我道歉然後說wellsfargo有提供 Email reminder.
這是一個去年年底才出來的 new feature. 也就是說你可以設定當checking account
裡的錢低於 $xxxx , 讓wellsfargo 傳一封email給你做為提醒。
在這跟大家分享,不然我覺得有時候跟銀行 deal 真的很機車
他們就是有辦法 set a lot of rules 然後讓你感覺很像被 rip off.
It's kind of like who is smart enough to play the game, who wins.
不過我想,一個企業如果靠狡詐或不合理手段來獲利,絕對不是長久經營成功的方式。
我覺得還滿意的就是manager 至少出來跟我道歉,然後還把方法告訴我。
難怪他能做到 manager, 然後那個態度很差的只能在哪裡唧唧歪歪。 XD
看似他吃小虧,其實替wellsfargo佔到了便宜。
: : 好吧, 在渾然不知道那張卡刷爆的狀況下
: : 我朋友多刷了二十幾筆(而且大多數單筆都不到 $20...0rz)
: : 下個月的帳單就多了四百多塊美金的手續費....
: : 他一整個火的找分行經理吵架
: : 可是人家只讓他 waive 一筆
: : 換句話說還是要繳三四百塊的手續費....
: : 用卡真的要小心, 看不到規矩的婊起來都要命..
: 我上個月Amex/Costco卡也差點被罰錢
: 繳費期限是3/18
: 到月底我發現我開給Amex的支票尚未兌現
: 於是先電話支付
: 再來cancel原來支票
: 結果這個月發現被徵收$39 late fee
: 打電話去申訴
: 一開始客服不肯退錢
: 於是我要求和經理說話
: 訴說理由
: 我說我相信有人可能會故意遲交
: 但在我的case來說
: 當我發現時
: 我馬上電話支付
: 而且我還能提供銀行止付證明
: 證明真有這張支票
: 經理也覺得合理
: 所以幫我取消 late fee
: 就提供做參考摟
: 另外我覺得把卡刷暴很不可思議耶
: 基本四張卡 Visa/Master/Amex/Discover
: 總額度少說四五萬
: 多則上十萬
: 刷暴的人也必須賺很多才是
--
: ※ 引述《brandont (布蘭登)》之銘言:
: : 同一張卡, 原 Po 的經驗真的不是最慘的
: : 我一個朋友也是辦 Chxse credit card
: : 他同時還有兩三張卡可以用
: : 有一次去旅遊, 就刷 Chxse 卡
: : 結果刷爆了
: : 絕大多數的狀況, 一般信用卡刷爆了就不能用
: : 或是會有電話告知
: : Chxse 不是, 是每一筆不論大小收你 $20 的手續費
: : 對, 你沒看錯, $20, 而且那張密密嘛麻的規則紙同樣有告知
我根本沒有Credit Card, 是Visa
記得以前checking account overdraft 被罰 $20USD 都去跟他 argue就wavie.
幾個學期前 set up 另外的算法,變成罰$10USD
最近被連續罰了兩次 $10 USD overdraft.
跟他argue竟然也是完全不理我! :O
後來我有點怒了,就跟wellsfargo說應該設一個機制告訴客戶他們checking account
快沒錢才對,不然實在不太合理。我又不是saving account 沒錢或者卡刷爆跟銀行
呆帳借錢! 我平常很忙哪有時間常常去check,只能知道個大概數目而已。
存了那麼多錢在銀行讓他們用,不但利息比台灣爛那麼多,竟然還要常常被罰這種錢ꄊ
結果那個女客服態度超差,也不太會講話,竟然跟我說什麼別家銀行罰得更多,
要不你試著轉去別家看看。我當下就跟他說我覺得你這樣說很不對,身為銀行員應該
要為客戶著想提供更多方法讓客戶滿意,況且我的抱怨並非不合理。
後來manager出來了,馬上跟我道歉然後說wellsfargo有提供 Email reminder.
這是一個去年年底才出來的 new feature. 也就是說你可以設定當checking account
裡的錢低於 $xxxx , 讓wellsfargo 傳一封email給你做為提醒。
在這跟大家分享,不然我覺得有時候跟銀行 deal 真的很機車
他們就是有辦法 set a lot of rules 然後讓你感覺很像被 rip off.
It's kind of like who is smart enough to play the game, who wins.
不過我想,一個企業如果靠狡詐或不合理手段來獲利,絕對不是長久經營成功的方式。
我覺得還滿意的就是manager 至少出來跟我道歉,然後還把方法告訴我。
難怪他能做到 manager, 然後那個態度很差的只能在哪裡唧唧歪歪。 XD
看似他吃小虧,其實替wellsfargo佔到了便宜。
: : 好吧, 在渾然不知道那張卡刷爆的狀況下
: : 我朋友多刷了二十幾筆(而且大多數單筆都不到 $20...0rz)
: : 下個月的帳單就多了四百多塊美金的手續費....
: : 他一整個火的找分行經理吵架
: : 可是人家只讓他 waive 一筆
: : 換句話說還是要繳三四百塊的手續費....
: : 用卡真的要小心, 看不到規矩的婊起來都要命..
: 我上個月Amex/Costco卡也差點被罰錢
: 繳費期限是3/18
: 到月底我發現我開給Amex的支票尚未兌現
: 於是先電話支付
: 再來cancel原來支票
: 結果這個月發現被徵收$39 late fee
: 打電話去申訴
: 一開始客服不肯退錢
: 於是我要求和經理說話
: 訴說理由
: 我說我相信有人可能會故意遲交
: 但在我的case來說
: 當我發現時
: 我馬上電話支付
: 而且我還能提供銀行止付證明
: 證明真有這張支票
: 經理也覺得合理
: 所以幫我取消 late fee
: 就提供做參考摟
: 另外我覺得把卡刷暴很不可思議耶
: 基本四張卡 Visa/Master/Amex/Discover
: 總額度少說四五萬
: 多則上十萬
: 刷暴的人也必須賺很多才是
--
Tags:
海外工作
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