Trying to conceal the obvious
This morning, our receptionist called and asked me to personally pick up my new credit card from the lobby. I was surprised and quick to tell her that I wasn't expecting any delivery today, much more if it's another plastic money. But fearing that the card might end up in the wrong hands, I picked it up only to call the bank as soon as I got back on my desk and cancelled it.
Truth be told, I'm an avid credit/debit card user, it makes my life easier, saves me the hassle of changing currencies while traveling, monitors my expenses, gives me a lot of perks like rebates, freebies, miles and such. Plus, I don't deal with the dreaded acts of rummaging my bag for loose coins, counting change, getting smelly bills and hearing the line I hated the most in every commercial counters: "May Php 12.75 nalang po kayo ma'am?" (You have Php 12.75, ma'am?) It just irks me that they let the customers do the extra work even if they have smaller bills and coins in their registers.
Credit cards are god-send if used properly, but my love for it, and anything electronic (how I loved riding buses and trains, and swiping at 711 stores too, in Singapore using Octopus card!) doesn't mean any banks could just grab my details, do the itsy bitsy application on my behalf and send me the cards pre-activated. I don't even have an account with them! This has happened to me thrice already, and I'm sure most of you would know the mixed feelings of being surprised, amazed and annoyed all at the same time. (Banking folks, is there any policy regarding this? Enlighten me!)
The first time it happened to me, I immediately called the bank and asked them to cancel it, then the agent tried to buy me into using the super duper, ultra mega savings features of their card and how it can earn me golden coins and magic eggs, but after so much hard selling, and a good 5 minutes of my time wasted, I again, for the third time, firmly but politely told her to cancel the card to which she replied rudely "Sige na nga ma'am, di naman kame namimilit!" (Okay, we're not forcing you!).
Wow, is sending me a pre-activated card with my personal details and sky high credit limit not an act of desperate pushing??
Whatever happened to privacy laws, Philippines?