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Credit Card Guilt - Qualified Perceptions
firstfrost
firstfrost
Credit Card Guilt
A letter arrived from my Amazon.com credit card (well, from the company that furnishes me with it), saying, in essence, "We noticed that you made a large payment recently. We hope you aren't planning to switch to another card! Here, have some cash-advance checks!" Okay, so they're always sending me cash advance checks, which I don't want, and I did complain to Amazon that after the Chase/BankOne merger, I was getting all sorts of spam phone calls from them, so I could see why they might be nervous. But I pay my bill every month, and it's not even like last month was higher than usual (the one where we bought harrock's laptop, that was higher than usual, but that was months ago!). So it seems strange that they want to guilt me this time about paying it.

Current Mood: sick sick

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Comments
chenoameg From: chenoameg Date: October 13th, 2005 07:49 pm (UTC) (Link)
It's good when they try to guilt you. That's the sort of thing that leads them to offer you credits to use the card, or increased rewards.

You can get the cash-advance checks to stop by just calling and asking them to; I always do.

Of course this means I have no chance of getting a free "0% no balance transfer free" cash-advance checks, which are sorta nice when you can get 4% in a savings account.

Also they never call me. I think that's because I submitted the privacy policy telling them not to; I can't remember.
From: readsalot Date: October 13th, 2005 08:09 pm (UTC) (Link)
They don't want you to pay off the balance; it means that they can't charge you interest.

One of my credit cards recently sent me a "you charged a lot of money on this last month. here, have a bigger credit limit!" letter, which was kind of amusing.
firstfrost From: firstfrost Date: October 13th, 2005 08:11 pm (UTC) (Link)
Yeah, I know it's that they want me to pay the interest. :)

I guess they couldn't think of a good way of phrasing that to guilt me, so they went with "Oh no! Don't you like us any more?"
arcanology From: arcanology Date: October 13th, 2005 09:08 pm (UTC) (Link)
It seems like a failure in their data-mining to see "pays off ever month" as the same thing as "pays off existing balance preparatory to fleeing".

But in general... boo hoo hoo I cry for Chase. Oh no wait, I don't at all.
kirisutogomen From: kirisutogomen Date: October 14th, 2005 04:53 pm (UTC) (Link)
Yeah, that's pretty incompetent. We weren't that stupid at Capital One. I think.

Anyway, I paid Chase an unusually big pile of money last month on my Amazon.com card, and they didn't send me any more than the usual 36,096 balance transfer checks this week, and they certainly didn't panic and ask if I was dumping them for a sexier card. They also never ever spam call me. I haven't opted out of anything ever. Dunno.
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