I generally like my cards. I don’t pay interest, so the rate really doesn’t annoy me. I get plenty of rewards, so that is nice too! There still are a few pesky things that really bug me sometimes.
Now, With Fraud Protection!
I hate all the advertising that seems to try to make you believe that fraud protection is a new feature on some cards. I guess they thing we are stupid and do not realize that by federal law, we are not responsible for fraudulent charges. It would be like seeing a car manufacturer advertise that they are now compliant federal safety laws; big deal.
We Can’t Add An Authorized User Without Closing Your Account
Whenever we have an issue with our Capitol One card, I have to call them myself. They will not talk to my wife as she is not an authorized user. While I had no problem adding her to my cards when we got married, the good folks at Capitol One can’t seem to handle the fact that my wife and I handle our finances jointly. Even though she has a card, they pretty much won’t even talk to her when she calls. As far as they are concerned, the only way to change that fact is to cancel my account and open a new, joint account. We really don’t want to bother with it and are left to endure their crummy service.
They did give me one other option, grant her power of attorney. They said they would send me the form, but it never came. So much for “No Hassles”.
Emails Telling Me My Statement Is Ready Or My Payment Is Due
I receive my statements through the mail, as I just don’t have the time and energy to memorize all of my login names and passwords for each bank account. Nor do I have the inclination to log in to each every month to check my statement. Call me old fashion, but I would just prefer to open up an envelope, just like the good old days.
Nevertheless, Barclay’s banks sends me this frantic sounding email every month when my statement is ready and when my payment is due. I don’t have to worry about it much longer as I will be canceling my Frontier Airlines card as soon as the first year is up and the annual fee is due.
Would You Like To Complete A Survey?
No! I don’t want to complete your dang survey! I don’t want a “relationship” with my bank, anymore than I want one with my automobile collision shop or my proctologist for that matter. If I am calling your, it is because something went wrong. The last thing I want to do is follow up the conversation with another conversation about that conversation. That is what adolescent relationships are for. I am not going to be an unpaid member of your marketing and customer support research team. Offer me some cash for my participation, and then we will talk.
That is my rant for today, which is probably pretty mild by the standards of credit card rants.
What’s your beef?
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