LONGEST TALKER CONTEST


We get calls on a daily basis and the callers really believe that if they can give some long sob story, that we will change their accounts to suit them. Well we have heard them all and this is to let you know IT WON'T WORK. BEWARE!! the more you tell us the more we will use against you.

SOB STORY 1- this story is used by people who don't want to pay their bill by pulling at your heart strings:
I got laid off of work and I just can't pay my bill. Is there something you can do for me? I'm sure you can understand how difficult it is for me to make ends meet.
Response: If you can't pay your bill, quit using your credit card--DUH!!!.
SOB STORY 2: this story is used by a lot of people to get their interest rate lowered, the basis of this technique is discrimination:
I was calling to get a lower rate. My neighbor has a lower rate so I want that rate too. Doesn't everybody have the same rate? I do not understand why I have to pay back at this rate when my neighbor doesn't. If you can't give me that rate, then I want to talk to the president of the company, because it is not fair.
Response: FYI-- after the first use of your credit card, and I don't care if you used it for 50 cents, you have a contractual agreement to repay that loan at the terms set by the company. Your neighbor waited for a better offer, we didn't force you to accept the offer you got. Maybe your neighbor has better credit than you.
SOB STORY 3: this story is used by snobs with summer and winter homes, this technique is used when they have moved from one residence to the other to avoid paying their bill:
I can't help it if you didn't send my statement to the correct address. I am currently at my winter home. You sent the statement to my summer home. I tried to use my card and I was declined. When I tried calling you the recording said I was delinquent on my bill. I have to call you and change my address every time I move. I do not understand why you people can't get get my address straight.
Response: We are not physic. If you can afford 2 homes, pay cash. Don't call us whinning that your account is delinquent because we don't know which home you are at. Take the responsibility upon yourself to notify the post office of your change of address.
SOB STORY 4: this story is also used by people wanting a lower rate, this technique uses flattery:
Where are you located? Oh, really. I'm from there, I went to school there. The people are so nice and friendly there. You sound so nice over the phone, isn't there something you can do about my rate?
Response: No, there is no lower rate. You can go on forever about where you are from and where you have traveled and it will make no difference to me. I have a life and I don't care about yours.

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