I have said many times how I dislike banks… I disheart the way they operate their businesses… and yes.. we need them and they need us the consumers… no denying…
credit cards… there is no argue over the convenience it provides to all of us… over the last few years… where ever we go… be it the shopping malls, supermarkets, mailbox, telephone calls, airports, hospitals… in fact practically in all public places.. we will find these freelance marketing people from all sort of banks…. approaching you to apply their credit card with first year complimentary annual fees….
well… from my past experiences, whenever we applied… we are being approved… BUT we never use… simply becoz we stick to the one card that we use regularly to accummulate for points… hence, these freebies ones are only there if any promotion crip up.. which usually.. hardly any…
one year later… we will then received a statement… stating the annual fees that we need to pay…for me and hubby… we normally ended cancelling it… it’s like… why pay the Rp 200.000++ for the service that we will probably not going to be using…
for the last 18 years or so that we hold credit cards… regardless whether we are in U.K or Medan, whenever we need to cancel… we simply need to place a call to the call center….. and of course after several phone calls to all the silly people from different departments, they will accept our request and void the card… well…
3 weeks back… we received a statement from BCA Indonesia – ‘Bank Central Asia’ … to be exact! …. requesting us to pay for the cc annual fees of Rp 247.500… we have been holding their card for the last 3 years… 1st year being complimentary… 2nd year, we paid 1/2 the rate and we used the card only once at Starbucks ….. for this 3rd year… I was telling my hubby how we NEVER use the card at all … so asking him to simply cancelled it for this 4th year…
hubby made a call to the Medan center…. was told he couldn’t cancel coz its already being charged to the account ..!!! … oh.. he was real mad!!… he then placed a call to Jakarta headquarter.. telling them of his intention and reasons… this time…. the operator told him that he needs to go down to the Medan branch, placed a request and have it cancelled from there…
alright here’s the thing…. ‘what rights have the bank got to have it auto renew!!!’… ok…. if the banks feel that it’s for their convenient that they want to auto charge for the auto renew of the subscription, … then us the consumers should have the right to cancel it too!!!! ….. like I said… other banks allowed you to cancel over the phone…. but with BCA system… not only you have to go down to the center… but we were told how … we need to pay the annual fees first!!! … from there, placed in a request for the cancellation … after which.. it’s a wait and see situation if the HQ will agree to the cancellation request !!!…. if ‘yes’…. the account will be credited back… if ‘no’…. well.. we have paid to the service earlier anyway!!!… gosh… to me it’s like… what kind of service is this!!! …
well… we have been using their services for the past 5/6 years and we hold the priority banking…. let me tell you… BCA is the only one bank that still charged their priority customers for their annual fees… NO other banks do that with their clients at the level…. in fact.. even while we were students in UK… with our credit rating… the UK banks are constantly upgrading our cards to the next best….. and we never have to pay for the service!!!..
I don’t know if any of my readers work for the BCA bank… but if you do… please raise this super duper silly issue to your senior coz it totally not right….!!!
and I have also found out that… banking records are sort of centralised in Indonesia… i.e if you have late or owed payments with bank 1… bank 2 will be able to trace and know of your bad credit rating….
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medankota on September 4th 2009 in Guides, Medan Living