CRM Horrors: A PIN is Just to Prick You

by Vinaya HS on June 25, 2009

in Finance

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It’s no secret that I find HSBC quite lame. In spite of these, I still have a credit card from HSBC — simply because it’s the only credit card and credit card history that I have. Yesterday, I used my Telephone Banking PIN to check up on the outstanding balance. Normally, the call is fully automated, but yesterday, it was redirected to a human. Here’s a summary of our conversation. My thoughts/responses in [ ].

  • Apparently, the call was redirected in spite of my using my PIN just because HSBC had some “offers” to make. [WTF, mate.]

  • The first offer was some insurance scam from Tata-AIG. Seems I should take it even if I already have insurance. [I hate Tata-AIG. Thanks.]

  • The second offer was some EMI option for paying the outstanding balance. [I'm on the way to drop a check for the full amount. Thanks.]

  • The third offer was some Card Protection Plan. [I don't think my card needs any protection (pun intended). Thanks.]

  • Disappointment in voice. Hang-up.

What a totally lame bank.




Thanks for reading this article. I'd love to hear your opinion. Please use the comments section below to share your thoughts. I frequently write new articles that also cover several other aspects of personal finance including credit cards, financial goals, health insurance, income tax, life insurance, mutual funds, retirement planning, and much more. You can Subscribe through Email and receive new articles directly in your Inbox or you can Subscribe through the RSS Feed and receive new articles in your feed reader.

{ 1 comment… read it below or add one }

Anoop June 25, 2009 at 3:27 PM

I wonder if you are really patient enough to even listen to those points!, My strategy would be listen all the while and then say that I am not interested in any of their offers. However I would still not remember exactly what offers were made on phone.

Cheers
Anoop

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