Some despicable creature used my (just re-created!) debit card number to buy $700 of whatever at a goddamn Wal-Mart in Morgan Hill, CA, causing the number to go dead just before I go overseas for two weeks.
This has resulted in yakety-sax with harmonizing sad trombone for the last two hours, including a conversation with my bank about Japanese addresses, two disconnections at critical parts of a discussion with them, a number of deadlines and minimum service times just exactly out of reach, use of the entire week’s supply of foul language, and a thing where I bumped my elbow on the door.
Rays of sunshine: my bank caught it and I’m not paying for this troglodyte’s Wal-Martery; I actually have money, it’s just going to be a bit harder to get at; I’m going to Japan, dammit.
That war on bank fraud? We’re not winning!
Zeroed out balance, they were crap ghetto credit, goodbye.
1) HSBC. Polite and pleasant operator transfers me to “win-back” guy. He talks too fast reading the script and is hard to understand due to an accent, but very nice. After two attempts to sell me back, including a fairly pathetic 2% cashback offer and waiving the membership fee, he folds and agrees to cancel it and send me written confirmation.
2) Juniper/Apple Credit. Same type of operator transfers me to win-back guy. He is a “relationship manager” which makes me think of Dr. Neil Clark Warren. He doesn’t try to give me any deals. Instead he first tries to sell me on how great the card is, and is not chagrined at all to learn that I have 8% less interest and ten times the limit elsewhere. Then he issues a warning: if I cancel the card, it could have an adverse effect on my credit rating! He says this once and I point out that closing the account after paying it off is probably not a minus. In a more ominous tone he asks me to reconsider because it could seriously be a negative MARK on my CREDIT RATING if i canceled. “Oh no you don’t,” I say. “Enough with the threats; that is not cool. Immediately cancel the account and send me written confirmation.” He folds too.
Nice bullying, Juniper/Apple!
someone else decided to make their problem into Six Apart’s problem:
I propose that anyone who wants to start a “Computer Security Company” be forced to have one pinky hacked off. The first time they lie, cheat, or steal for “Security” reasons they lose the other one. We’ll progress from there.