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I said I don't use this credit card

October 1st, 2009 at 10:34 pm

Geez, what does it take to cancel a credit protection on a credit card that I didn't even want in the first place but ended up giving in because the person on the phone wouldn't stop and all I wanted to do was activate the new card they sent me. So the first month was free, and then after 30 days they start charging $8.95 for the credit card protection service. I forgot to cancel before the end of the 30 days and luckily I looked at my online statement and saw that they had charged that since I don't even use that credit card and just keep it for credit history. Ugh. So I called up and canceled the service and the guy kept going on and on and on about how I should keep it and that he would give me $60 cash back... which isn't really cash back it's 4 $15 gift cards for gas. I said... I don't use this card and so I don't want to keep paying the $8.95 each month when I don't even use the card. But in case it get lost or stolen... it's not going to get lost because I don't carry it in my wallet it's locked in my safe I doubt it's going anywhere anytime soon!

So finally after 20 mins going back and forth he finally let me cancel the service. Usually by this time I would just get fed up and hang up but I needed to make sure that the service gets canceled so that I don't get billed next month for it.

I saved about $108 a year by canceling!

5 Responses to “I said I don't use this credit card”

  1. nmboone Says:

    Good job! Yeah those people can be aggravating. I don't even let them speak. I can get somewhat rude when people do spiels like that and just interrupt with "NO THANK YOU!" lol.

  2. north georgia gal Says:

    I hate those people! They just go on and on and on...

  3. creditcardfree Says:

    Good job in standing your ground! Make sure to follow up that they did actually cancel it.

  4. lizajane Says:

    Ditto. I get so annoyed by the "for being a valued customer, we'll give you XX days free of such-and-such". I ask them point blank if I have to call to cancel, and of course it's always yes. The last one I had to tell him 5 or 6 times "I don't want anything free that I have to call to cancel. I don't want to forget, and I know that's what you're counting on. No, no, no, no, NO!!!"

  5. crazyliblady Says:

    If they don't get the hint the first 10 times you tell them "no", speak to a supervisor. Don't let them speak. Tell them "no" even if you have to shout to get it through to them. You are the customer and if you are such a "valued customer" they will work very hard to keep you. They don't really like you cancelling a service, though, because that is lost revenue.

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