Pants Vs. Humanity.

literal conversations I had today with customers

them - what's a finance charge?

me - that's your interest

them - no. I don't pay interest. that's why I got this card, because you don't charge interest.

me - well sir, I do apologize for the misunderstanding, but you do infact get charged interest if you're carrying a balance on your credit card

them - Why the hell for?

me - welllll when you signed up for the card you agreed to the terms and conditions that accompany the card. you'd be very hard pressed to find any bank or financial lender who doesn't charge interest when you're carrying a balance.

them - but I pay my bill every month!

me - yes you do, I can see that right here. and we appreciate all the payments you make. however, your payments are not paying off the principal of the debt. so when you revolve that debt from month to month we charge finances charges.

them - this is ludicrous. I would have never agreed to this card had I know I would be charged interest.

me - I do apologize again for the misunderstanding, but it states clearly in your terms of service that you'll be charged interest if you revolve a balance.

them - I never got the terms of service.

me - did you get your card sir?

them - of course I did, I'm buying stuff with it aren't I?

me - well sir, the piece of paper that the card comes stuck to, that's your terms of service. if you have the card, you would have the terms as well. but if you'd like I can mail you another copy for you to look over. and as a one time exception I'll go ahead and refund the interest charges for this month. you'll see that reflected on your next statement.

them - yea, send me the terms. I want my lawyer to look it over. I can't believe you would do such a thing to your paying customers!

me - I'll get that sent out right away sir. can you just confirm your address for me?

them - 123 idiot lane bla bla bla bla

me - perfect thank you! also, it looks like we're trying to update your record with some missing information. would you mind telling me what your current job title is, like what you do for a living

them - I'm a financial adviser.

me - .............................FFFFFUUUUUUUUUUUUUUUUUUUUUUUUU