The Conservative Cave
Current Events => The DUmpster => Topic started by: GOBUCKS on June 26, 2009, 10:25:18 PM
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roamer65 (1000+ posts) Fri Jun-26-09 10:15 PM
Original message
I just had a very interesting phone conversation with a CC company customer specialist.
The specialist said it is horrible right now and definitely getting MUCH worse very quickly as far as credit card delinquencies and defaults. Just by the tone of voice, her seriousness on the issue was definite and very sobering.
http://www.democraticunderground.com/discuss/duboard.php?az=view_all&address=389x5936297
She was talking about his credit worthiness. DUmmies get lots of calls from "customer specialists" at credit card companies.
hedgehog (1000+ posts) Fri Jun-26-09 10:39 PM
5. I wonder if a lot of people are looking around and realizing there is
strength in numbers. At this point the credit card companies need us more than any one of us needs them since the managers dumped so much money into investments that went belly up. "You want me to pay this debt? Then drop the rate to something that is possible to pay!"
Extending credit to DUmmies is one of the worst investments the CC companies made.
Devil_Fish (93 posts) Fri Jun-26-09 10:43 PM
8. I concider my self lucky. I had 3 credit cards that were maxed out a year ago.
I finally managed to pay off all three and cancel two of them. I keep the third one with 0 ballance just in case. as I said, I am lucky. I wish every one the same luck.
DUmmy Devil_Fish explains why it is a good thing when your credit limit is $200. From now on he will pay cash and work on his spelling.
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so a DUmmie got called by a bill collector.....yawn
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I am sure it would all be fixed by massive government debt and massive new taxes. :mental:
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Devil_Fish (93 posts) Fri Jun-26-09 10:43 PM
8. I concider my self lucky. I had 3 credit cards that were maxed out a year ago.
I finally managed to pay off all three and cancel two of them. I keep the third one with 0 ballance just in case. as I said, I am lucky. I wish every one the same luck.
Yes, yes. We all know the only way you could EVER pay off debt is through luck and luck alone.
:whatever:
What an imbecile.
KC
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I'd love to see all these people band together and not pay debts that they legally entered into. It'll make it a lot easier to arrest their ass for fraud and theft.
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I'd love to see all these people band together and not pay debts that they legally entered into. It'll make it a lot easier to arrest their ass for fraud and theft.
Yeah, I'm sure that will happen - just like what happened with all those subprime mortgages they entered into.
Obamalamadingdong will make sure the true criminal pays - the creditors.
:thatsright:
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I just had a very interesting phone conversation with a CC company customer specialist.
The specialist said it is horrible right now and definitely getting MUCH worse very quickly as far as credit card delinquencies and defaults. Just by the tone of voice, her seriousness on the issue was definite and very sobering.
:bs:
The credit card collectors do not make small talk with customers. They especially do not talk about how horrible the supposed credit crunch is.
For a couple of years, I worked for a large company which operated inbound and outbound call centers throughout the country. I helped develop the pricing packages that we used to attract potential new clients. Very complicated process, but kind of interesting.
I visited a couple of our call centers and got to listen in on some of the calls. At the inbound centers, the supervisors monitor how quickly the people take orders, handle questions, etc. Everything is timed and time is maximized to reduce call waiting time and facilitate customer care quickly. Outbound call centers are obviously a totally different animal. Click on the auto-dialer, and the CCR's speak to maybe two people an hour. In both the inbound & outbound model, there is no small talk allowed. It is all about maximizing the efficient use of time. If a CCR (Customer Care Representative) was caught by a supervisor making small talk such as mentioned by the DUmmy, they would be severly reprimanded.
This was in the late 90's, and while some things have probably changed in the industry there are several startling statistics that I'll share.
For any proposal, we budgeted in a 250-300% employee turnover ratio per year in the outbound call centers. For the inbound sites, depending on the product/service, the turnover was between 50-100% per year.
I still see lots of jobs available for working at call centers, DUmmies, for those of you who are chronically unemployed.
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I still see lots of jobs available for working at call centers, DUmmies, for those of you who are chronically unemployed.
I think DUmmies are the reason WHY there is a high turnover rate in call centers. I work in one... I do a mix of customer service and IT support. We are generally encouraged to make small talk and be police to our customers, but I don't work in collections.
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I think DUmmies are the reason WHY there is a high turnover rate in call centers. I work in one... I do a mix of customer service and IT support. We are generally encouraged to make small talk and be police to our customers, but I don't work in collections.
Be police? :-)
I should acknowledge that there is limited small talk allowed, or at least there was on the inbound side.
What could be construed as small talk on the outbound portion was more of prying for information about the client/customer. Whether it was selling or doing collections, the CCR's were instructed to pick up any bit of pertinent information about the client/customer.
Bottom line, no CCR would be fulfilling the DUmmy's bouncy story by talking about how bad the credit market is.
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Grammur Police... :hammer:
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DUmmy Devil_Fish explains why it is a good thing when your credit limit is $200. From now on he will pay cash and work on his spelling.
:lmao: :lmao: :lmao: