Based on “a routine credit check due to increased usage of your cards”, they were chopping my credit line by ~25%.
Called them up and found out that the reason for this is that their “credit check” shows a $6,000 phantom; they’re claiming I owe them the balance transfer amount (correct) but also claiming I owe it to the two smaller cards that the transfer paid off (no longer correct). In other words, they claim I have roughly 40% more debt than I actually do. Not only that, but based on this erroneous information, they just damaged my credit score by reducing my available credit, making it that much more difficult for me to do other credit-related things. This actually took two calls; the first person, who I will refer to as “bubblegum-chewing blonde bimbo #1”, simply kept going round in circles saying “well if the computer program says this is what we should do this is what we do”, and hung up on me when I demanded to speak with a manager. The second person, who I will refer to as “Useless Tyrell #2”, basically repeated the same thing, then informed me that “all the supervisors are unavailable” and that he would “put a note in my file” and one of them should give me a return phone call in 48 hours or so.
I think I’ve actually talked to one of those, um, individuals myself. Not that it made the slightest bit of difference. Then again, you already know what I think of these practices.
Previous Malevolent Scum activity here.