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Coventina

(27,084 posts)
Sun Jan 28, 2024, 11:57 PM Jan 28

My credit card wants to charge me $9 to speak with a human!!

Needless to say, it's my FORMER credit card!!

OK, full disclosure, I did miss my payment deadline.

I misplaced the statement, and forgot about it.

I wanted to talk to a customer service rep to explain that I was very sorry, and it was not a usual thing for me, and could they see their way to removing the late fee?

Well, I call their customer service number and it routes me immediately to the auto payment. (I guess they figure that if I'm calling it's to make a payment?)
When I say "Customer service, please" to the prompt, the voice says, "Please be advised that speaking to a customer service representative will result in a $9 charge to your account."

I've paid off the balance and I'm going to destroy the card and send an email with the picture of it.

44 replies = new reply since forum marked as read
Highlight: NoneDon't highlight anything 5 newestHighlight 5 most recent replies
My credit card wants to charge me $9 to speak with a human!! (Original Post) Coventina Jan 28 OP
I don't think my credit card SPEAKS!!! elleng Jan 29 #1
I'd do the same, that's ridiculous. MLAA Jan 29 #2
This, to me, says much about the employment sector limbicnuminousity Jan 29 #3
What CC / issuing bank was it? ret5hd Jan 29 #4
The Sony Card from Bread Financial. Coventina Jan 29 #28
Wow... I've never even heard of this card! slightlv Jan 29 #43
That is CRAZY. Whenever I was late they always just reversed the charge as a courtesy this is GuppyGal Jan 29 #5
You also need to tell them to close the account. madaboutharry Jan 29 #6
That can actually hurt your credit rating happybird Jan 29 #8
Thanks for that piece of info Delphinus Jan 29 #21
Yes, I did this with GM and AT&T credit cards in the past csziggy Jan 29 #42
Ohh No! I only want to speak to humans. Cha Jan 29 #7
I'd really like to know which slightlv Jan 29 #9
So would I. I hate those autovoice things and I do a lot of 0 punching too yellowdogintexas Jan 29 #12
What makes you so sure Live Chat is a real person? MichMan Jan 29 #16
The responses are intelligent and get to the point yellowdogintexas Jan 29 #22
Post # 28 Coventina Jan 29 #30
Corporate America-anything for more profits-your damn Republicans support this Stargazer99 Jan 29 #10
Why do you depend on a paper statement? NoRethugFriends Jan 29 #11
Yes. all my credit cards send me an email a good 10 days before the due date yellowdogintexas Jan 29 #13
I am actually in the process of getting rid of my paper statements. Coventina Jan 29 #31
This what happens when Biden wants to clamp down on bank's junk fees? KS Toronado Jan 29 #14
I Would Consider RobinA Jan 29 #34
They are definitely going where no company has gone before KS Toronado Jan 29 #41
Tell them you will only charge them $9 a month for the honor of DemocraticPatriot Jan 29 #15
Watch-the rest of them will start the same screwing of the common man-just give them time Stargazer99 Jan 29 #17
Jason and Kimberly in Mumbai don't work for free dalton99a Jan 29 #18
Good for you. Directv was pissing us off, so after almost 25 years of using them Vinca Jan 29 #19
My sister's joke about DirecTV: lastlib Jan 29 #40
Just curious SocialDemocrat61 Jan 29 #20
I do online debit. n/t Coventina Jan 29 #32
Some websites SocialDemocrat61 Jan 29 #44
Everything is a grift these days, so, not shocking. Oneironaut Jan 29 #23
Many places are giving discounts if you pay with cash. Emile Jan 29 #24
Some do, most don't. Happy Hoosier Jan 29 #36
First, I suggest a credit card from a credit union. In fact move all your money to a CU. Hotler Jan 29 #25
+100 for the CU suggestion. as to the $.25, you should have filed a FINRA complaint Wonder Why Jan 29 #27
Yes, I do have a credit card with my CU. Coventina Jan 29 #33
Verizon is doing this as well Simeon Salus Jan 29 #26
This "sheet" is popping up everywhere. GreenWave Jan 29 #29
Yeah.... Happy Hoosier Jan 29 #35
Post #28 Coventina Jan 29 #37
Cheers! Credit cards can be great tools, and... Happy Hoosier Jan 29 #38
Yes! I am now definitely in the market for a better "emergency" card!! Thanks!! n/t Coventina Jan 29 #39

limbicnuminousity

(1,402 posts)
3. This, to me, says much about the employment sector
Mon Jan 29, 2024, 12:08 AM
Jan 29

The Wall Street economy is booming but a credit card agency can't afford to maintain a customer service line. What's the problem? Citibank can't afford minimum wage salaries? Or is the point that we need to learn even the barest civility or human interaction comes at a cost?

Sorry Coventina, that's lousy.

Coventina

(27,084 posts)
28. The Sony Card from Bread Financial.
Mon Jan 29, 2024, 01:03 PM
Jan 29

I've had the card for probably 20+ years, and the issuing bank has changed over time, because I know it wasn't part of Bread when I got it.

slightlv

(2,783 posts)
43. Wow... I've never even heard of this card!
Mon Jan 29, 2024, 04:15 PM
Jan 29

But there is so much new out there, since commerce began taking over the Internet. Liked it a lot better back in the "old days" when it truly was about knowledge and you could trust more sites to have the actual truth... backed up with receipts. Ah, well... I'm just an old timer... and now I'm beginning to sound like one! (LOL)

Thanks for the info, Coventina!

GuppyGal

(1,748 posts)
5. That is CRAZY. Whenever I was late they always just reversed the charge as a courtesy this is
Mon Jan 29, 2024, 12:26 AM
Jan 29

OUTRAGEOUS !!!!!!!!!!!!

madaboutharry

(40,199 posts)
6. You also need to tell them to close the account.
Mon Jan 29, 2024, 12:44 AM
Jan 29

Don’t forget that part. Cutting up the card doesn’t close the account, so remember to do that too.

happybird

(4,599 posts)
8. That can actually hurt your credit rating
Mon Jan 29, 2024, 01:08 AM
Jan 29

Leaving the account open but unused results in a lower credit utilization ratio number, which is good (used credit in relation to total available credit).

Delphinus

(11,830 posts)
21. Thanks for that piece of info
Mon Jan 29, 2024, 09:50 AM
Jan 29

I have a cc that I've not used in years and was going to ask them to close it.

csziggy

(34,133 posts)
42. Yes, I did this with GM and AT&T credit cards in the past
Mon Jan 29, 2024, 02:56 PM
Jan 29

Even though I was the one who opened both cards and made every single payment on them, when it came time to talk to them, they would only talk to my husband. So I just never used those cards again. They'd send us new ones, I never activated them, just cut them up and threw them away.

The AT&T one was the one that pissed me off the most. It had started out as an AT&T long distance card on my business account, then they switched over to credit cards that could be used the same way. Since the business and calling account were solely in my name and my husband was only added onto the account when it became a credit card, I really didn't understand how he became the only one who could talk to them.

I haven't checked my credit report recently, but I suspect that those accounts are still listed as open, just unused.

Same for a Macy's card. When we built our house, we went to a Macy's sale to buy new towels. They had a deal that you got 50% off if you charged your purchased on a new Macy's credit account. Opened the account, got the discount, never used the card again - or went into a Macy's again.

slightlv

(2,783 posts)
9. I'd really like to know which
Mon Jan 29, 2024, 01:11 AM
Jan 29

card/bank this was... to make sure it's not among the (very) few I use. I hate the autovoice SO much, I end up screaming at them or purposely just hitting "0" throughout the endeavor. I'll not have anything to do with one where I couldn't talk to an actual human person - and, I'm sorry, but at my age, I'd really prefer talking to someone without an accent so heavy I can't understand them. Sometimes, it's hard enough just to hear their voice... and I've got pretty good hearing, even after all the years of heavy metal! (LOL)

yellowdogintexas

(22,243 posts)
12. So would I. I hate those autovoice things and I do a lot of 0 punching too
Mon Jan 29, 2024, 01:27 AM
Jan 29

My mother used to call the auto voice "That woman who won't let me talk to anyone"

I have really good luck with the live chat. Sometimes they make you go through some token BS before they send you to a live person but they are not even close to as annoying as the phony voice on the phone.

yellowdogintexas

(22,243 posts)
22. The responses are intelligent and get to the point
Mon Jan 29, 2024, 09:53 AM
Jan 29

Also they are actually conversational and if my question is not clear the rep will ask questions to confirm what it is that I actually want.

The autobots just keep telling you they do not understand the question and offer other options which won't work either.

Or "Has this answered your question?"

I think I would actually enjoy doing that job.

yellowdogintexas

(22,243 posts)
13. Yes. all my credit cards send me an email a good 10 days before the due date
Mon Jan 29, 2024, 01:37 AM
Jan 29

in fact my water bill, electric bill, gas bill and internet bill all send me a reminder email. It is great because I just open a tab for my bank, post the payment to go on a certain date and I know it's been paid.

I love paying bills through my bank's online service; it has a great setup.
I can set up a recurring payment ( like for church pledges, car payment, anything that is just repeated monthly) and let the system take care of it.

Coventina

(27,084 posts)
31. I am actually in the process of getting rid of my paper statements.
Mon Jan 29, 2024, 01:06 PM
Jan 29

I won't bore you with all the details, but I am doing that, as I pay the bills this month.

KS Toronado

(17,179 posts)
14. This what happens when Biden wants to clamp down on bank's junk fees?
Mon Jan 29, 2024, 01:38 AM
Jan 29

They figure out new ways to rip us off?

KS Toronado

(17,179 posts)
41. They are definitely going where no company has gone before
Mon Jan 29, 2024, 01:35 PM
Jan 29
Who's next.....Pizza shops, lumber yards, 911?

DemocraticPatriot

(4,336 posts)
15. Tell them you will only charge them $9 a month for the honor of
Mon Jan 29, 2024, 02:47 AM
Jan 29

billing you!!!


I had some credit cards that were pulling such bullshit. I decided I was done with credit,
and just stopped paying them all. Most of them sued me,
but you can't get blood out of a turnip. Most of them wrote off the debt.

One is still after me, but they still haven't been paid.
Their only chance is to collect after I die, if they get lucky.

Vinca

(50,249 posts)
19. Good for you. Directv was pissing us off, so after almost 25 years of using them
Mon Jan 29, 2024, 09:42 AM
Jan 29

we cut the cord to the dish and started streaming. And we'll never stream through Directv. Best decision we've made in a long time.

lastlib

(23,191 posts)
40. My sister's joke about DirecTV:
Mon Jan 29, 2024, 01:28 PM
Jan 29

What's the difference between DirecTV and a $20 hooker? The hooker will eventually stop screwing you. DirecTV never will.

SocialDemocrat61

(591 posts)
44. Some websites
Mon Jan 29, 2024, 06:05 PM
Jan 29

have the option of an automatic monthly payment. See if yours does, so you won’t have to worry about missing a payment again.

Emile

(22,611 posts)
24. Many places are giving discounts if you pay with cash.
Mon Jan 29, 2024, 10:04 AM
Jan 29

I think I'm going to start using cash more often.

Happy Hoosier

(7,251 posts)
36. Some do, most don't.
Mon Jan 29, 2024, 01:17 PM
Jan 29

Depending on the "cash discount," It may make sense to buy with cash. For me, no place I shop regularly offers a cash discount, so I put the transactions on a rewards card of some sort.

Hotler

(11,409 posts)
25. First, I suggest a credit card from a credit union. In fact move all your money to a CU.
Mon Jan 29, 2024, 10:05 AM
Jan 29

Around 2005± the credit card companies were called before a Senate hearing on out of control rates charged by the credit card companies. All the major banks were lined up at the hearing. One of the bank CEO's said that they consider people that use their cards each month and pay off the balance each month as dead beats, because, they use their money for 30-days for free. My credit card went right in the drawer and sat there, I paid cash for everything except big ticket items. So my credit card statements started coming with a zero balance each month. One month there was a minus .25 cents on my statement for an over charge for the VAT tax out of Europe. Bank of America owed me .25 cents, this showed up month after month. One month it was gone. I called them and asked were my quarter went. They told me they just made it go away, I informed them that if I owed Bank of America a quarter they would hound me to my death for it and they agreed right over the phone. I told them to shove their credit card up their ass right then and there. I moved to a credit union and haven't looked back.

Coventina

(27,084 posts)
33. Yes, I do have a credit card with my CU.
Mon Jan 29, 2024, 01:08 PM
Jan 29

This particular card was my emergency back up card, so I don't use it much.

It happened that I forgot my wallet at work, and so that's how this card came to be used.

GreenWave

(6,689 posts)
29. This "sheet" is popping up everywhere.
Mon Jan 29, 2024, 01:04 PM
Jan 29

My free shipping from Swanson's now has a small convenience handling fee!
Amazon rejected my critique of a shampoo company for jacking up the rate 4x the price two years ago, saying we CANNOT complain about prices.
E-Bay is allowing an incompetent seller a FULL MONTH to get documentation in order for a lost in USPS item. Seller does NOT communicate, nor even understands how to get a tracking number.

Happy Hoosier

(7,251 posts)
35. Yeah....
Mon Jan 29, 2024, 01:15 PM
Jan 29

Ditch this card issuer. Who is is, if I can ask? Wanna avoid them.

Set up auto-pay on your accounts. I missed a payment a couple years ago.... annoying. Even if you pay off the entire balance each month like I do, setting up an auto-pay for minimum payment means you'll never have this problem.

I'm a "credit card guy." I put pretty much every transaction I can on a credit card and then I pay the balances weekly. I score beau coup reward points that way. I travel a lot for work, and that helps me score some big points too.

Happy Hoosier

(7,251 posts)
38. Cheers! Credit cards can be great tools, and...
Mon Jan 29, 2024, 01:21 PM
Jan 29

... the banks that issue them can be "tools" too!!!

I've been pretty happy with Chase. They have some great cards if you want travel rewards. But if you are more interested in cash back, check out Capital One. They have some cards that give at least 2% back on every purchase.

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