or sales people, anyone could be a potential customer, more so if they think you are a big spender. i know marketing is a tough job & sometimes i sympathise with those sales people outsourced by banks to promote the latter's credit cards. that's why i have ended up with more credit cards than i really need. but i suppose it's a win-win situation - they receive their commission after i sign up & i get the sale gimmick gifts, eg. remote-controlled toy car, thermos flask, umbrella, shoe bag & the list is endless.
last week, i decided to cancel one such card after a year because the govt tax of rm50 was due. so i called up the credit card hotline to express my intention. the guy said i'd get a call from the bank in a few days to confirm the cancellation. in the mean time, i proceeded to cut up the said card & disposed off the mutilated pieces.
yesterday, a lady from the bank called & politely asked the reason for my cancellation.
me : i already have more cards than i need - all out of sympathy for the sales guys at the shopping mall.
she: sir, how about we renew your card free of annual fee & govt tax plus we'll throw in rm50 spending credit?
me : you'd do all that for me?
she : sure, because you're one of our special customers. (i've only spent about rm200 on the card the whole year - ha!)
me : but i'm already a special customer of 3 other banks!
she : it's ok lah, just keep the card at no charge - who knows when you may need it.
me : but my wallet now has more cards than money already!
she : sir, get a bigger wallet lah!
me : but i've actually cut up your card already.
she : no problem, sir, we'll send you a new one next week, again free of charge.
see what i mean - money talks & she must have sniffed blood. when you want a loan from the banks, they'll ask for an arm & a leg as collateral, but when they want you to spend with their credit card, they'll promise you heaven & earth.
that said, i politely turned down the near irresistible proposition & cancelled the call ....before she made the offer impossible to refuse!