How many times must one request to cancel a membership in one phone call?
In an ealier post I mentioned commiting to eradicating $4K of my debt by November of this year. I used a balance transfer for 0% for six months. I have been paying online weekly, but got my statement today. There was a $31.95 charge for Credit Protector. I apparently had this option years ago, and it was reactivated with the balance transfer (this card had $0 balance for quite some time).
My first attempt to cancel was met with, "We have a more economical option which will only cost you "x".
At this point, I said no please cancel. The response, "If you have had any of these life changing events in the past six months we will pay two monthly payments". There have been no divorces, births, death, moving, unemployment.
I said, no please cancel. At this point I am eligible for a $50 Visa Card should I continue. She will mail out the information and I can review it, and make up my mind before I am billed again on the 24th of May.
At this point I have regressed to the point of my whining three year old, "Please just cancel me. That is all I want to do. I don't want to pay $400 a year for this option. I want to use that to pay the principle. Please JUST CANCEL me."
I understand that this customer service representative is only doing her job, but come on, folks! Gimme a break ... after the second time, go to final rebuttal on the last page!
She then curtly said, "Give me a moment while I process your request. Fine, your membership is terminated." Then she hung up.
All I wanted to do was cancel Credit Protector -
May 6th, 2008 at 12:21 am
May 6th, 2008 at 12:38 am 1210034309
May 6th, 2008 at 03:01 am 1210042902
Tip: whenever you call to cancel, make sure you make note of the date and time you called, the representatives name, and most importantly a confirmation/reference number for your cancellation. Usually they will volunteer this, but if not ask for it. There is only one of these that I have found that don't give confirmation numbers, but they will tell you that you'll get a written confirmation by mail in 7-10 days.