A post after a really long time & it is a rant!! *sigh*
2 weeks back I went for my vacation with A to Thailand. Yeah good times . I make a purchase with my “international” credit card. Things are fine. Go to another shop, extend my card, it gets declined!!
I call customer service, they say it is Sunday and they would forward a mail to the concerned department. I should be able to use the card the next day & I could try that evening. I try the next day & yeah, it gets declined again. Again called customer service, mail forwarded again.
I was told I had to inform the bank about my travel. I am like I have a valid passport, I get a visa on arrival even. So I cannot assume a VISA credit card will work without problems!! I have to call & inform them prior.
Fast forward a week, I try use the card for buying an app, it gets declined (my default card for payment was this!!). Didn’t think much of it, I forgot & used the card to pay for petrol……Oh yeah!! declined!! I call, furious to hear they will forward the mail to the concerned department!!! 2 hours is the turn around time for this kind of request apparently.
Today I use the card. Yup….declined. Again call. Again the personnel says she will forward the mail!! I ask for the manager, she says usually card gets declined on suspicious activity. (FYI: There are countries where CC fraud is rampant & banks do take precautionary measures I am told – Sri Lanka, Thailand are a couple like that!) I asked if she was aware of all the previous calls, whether they had a log maintained. She then asks for time. 4 hours now. She is going to call me to let me know my card is activated or what the status of the card is. I told her I need an explanation about what happened the last 2 weeks & all those mails that were forwarded!!
So my woes (yeah isn’t that why this post is being written?! )
Why must we inform the bank when we supposedly have an international VISA or MASTERCARD?!? This particular bank’s policy (btw, it is an international bank too!!! – your right partner ) I am told. I said fine, I will accept the block…but what about the unresponsiveness even after calling & asking for the activation. 2 weeks & an escalation right now!!!
Next, this particular phone-banking service gives you the mini credit card statement of how much credit balance you have, what you owe, when the due date is at least twice!!! In this particular case, all I wanted was to talk to an executive to get this sorted not listen to my statement and twice at that!!!! Why not have an option in the IVR to ask if we need a statement if we are calling for that?!
Wondering if I need the hassle of such a card!! Guess I have not learnt the lessons!!
Oh I must mention here, that all my other cards worked (knock on wood!! hope I am not jinxing it) without informing the respective banking institutions.
PS: I guess I probably am the only fool who has a credit in the credit card account!! (would be great to know if there is anyone else out there like me!! )This thanks to listening to my mini credit card statement each time I called!!! Just made me more furious.
I need anger management!!! Or we need a revamp of the customer service system here in India! Guess the former is more feasible & would get a better result! (I can almost picture people who know me really well grinning & not agreeing )
Lesson learnt: Whether you inform your family or manager or not about your travel; don’t forget to call your bank to let them know your itinerary!!