Many months ago I complained about Cardholder Services. They call and when you answer it’s a recording to lower your credit card interest rates.There are 2 problems with this.
#1 I don’t own a major credit card
#2 I’m on the Do Not Call Registry
When I got tired of hanging up I pressed 1 to talk to someone. They always ask if you want to hear about lowering your rates I say no and start to say I’m on the do not call list they’d hang up. Once I started the conversation with “Don’t hang up on me” and the woman at the other end asked if I wanted to lower my rates. I told her no but needed to talk and she said the only way she won’t hang up is if I say yes to lowering my rates so I said yes. She listened and gave me another number to call to get removed but when I called it was a business that never heard of them.
Doing an internet search this is common practice for this company. They change locations and phone numbers so the FCC and State’s Attorneys can’t find them and if you tell them not to call the number of calls increase. Yes, we were getting them 2-3 times a week. The consensus on the internet is this is a scam and they’re just out to get credit card numbers.
A few weeks ago they called and I pressed 1 and was going to have fun with them but when they asked for my zip code my mind went blank as all I could think of was my own. After they hung up I remembered I have the phone number for White House Greetings where you can get a card for an 80th or greater birthday or 50th or + anniversary. I was going to give them the zip code for Washington DC and the phone number for the White House.
They called today and I was armed with my address book but they never asked. Below is the conversation that took place.
Do you have a MC or Visa? Yes, Visa
Is your balance over $3000? Yes, $10,000 (remember I don’t have a major credit card)
Card number? At this point I rattled off a 4 sets of 4 digit numbers
Expiration date? 2/12
Can you verify the card number? Not remembering what I told him I said I’d already given it to him so tell me what he wrote down. As he repeated it back to me I wrote it down and told him it was correct.
Maam, that’s not a valid card number. Could you verify it again? I repeated the numbers he gave me 1271-4530-5520-6525.
Ma’am, that’s not a valid number, are you sure this is correct? That’s what it says on my card
I am speaking to Miss Moore right? Yes you are (not my real name)
He gets a supervisor that asks me to verify the number and I tell him the same numbers.
Is this a Visa or MC? Visa
What bank issued it? Chase
Are you sure that’s the correct number? I know how to read and I can even count to 100.
Ma’am, I’m sorry for insulting you.
There’s no card that starts with the number 1, they all start with a 4 or 5. Well mine starts with a 1
It’s not a valid card. It’s valid everytime I use it.
Well, that must be an exception. You must be an important person. Yeah, too important for you to help.
That’s when I hung up. Don said I had them on the phone for a good 10 minutes and I was trying so hard not to laugh the entire time.
Next time I’ll try to remember to start the card with a number 4