[I work for a credit card company in customer care taking escalated calls.]
Calling this guy an idiot is being nice. I’ll give you the short version. Some general facts about his credit card before we get started:
1. Balance was $17,300+
2. Minimum payment due about $519
3. NOT a business card and expressly in the terms of the card agreement it is for personal use only.
When he gets transferred to me he is screaming that we are stopping him from using his credit card and costing him money. I state that I am sorry for any inconvenience but we had not received his last payment, his billing cycle closed last night and he cannot use the card until the past due payment is made of $519. I would be happy to take a free payment by phone and activate the card right away.
He says that he will call in later to do the payment, it is only $519, and he needs to use the card now or he is going to lose thousands of dollars by not being able to purchase (withheld) for his business. I repeat his only option is to make the past due payment and he snaps back with how would I like it if he cost me thousands of dollars over only $519. The argument continues for about a half hour with him making up reasons he didn’t pay that contradicted each other and reasons the bank is wrong in doing this to him.
I was fed up with him at this point. He was using foul language, intermittently, directed towards me and the bank. I finally asked if I could ask him a question. He said yes. I asked if I could barrow $17,000 from him and miss my first payment and then barrow some more from him without even making a payment on the original balance. Dead silence for a few seconds and then I got a “Fuck you!” and he hung up.
Victory is mine!
