Capital Issues

A couple of months ago, I got a letter from one of my credit cards (well, from the company behind one of my credit cards, to be pedantic/accurate) telling me they wanted to upgrade my credit limit, and if I wanted to accept, drop them a line.

I was OK with that, so I confirmed the upgrade, and it got applied to my account two and a half months ago. (That’s relevant in a minute)

This weekend, I got a text message confirming that my upgrade was being processed. Then on Monday I got a letter, also confirming the same thing.

Now, one of the main things you’re always told by card companies is to get in touch with them if you start getting unexpected letters from them, and particularly when it’s either replacement cards, or stuff about credit limits.   Additionally, with my own credit history I’m more aware of these things.

I gave the card company a call yesterday, and it did not go well.

First of all, the person I spoke to seemed to think she was working in a different department, and her first question was “What are you going to offer us?”  (I’m assuming she’s usually in debt recovery or something, or dealing with people who are going to say they’re in the shit)

I explained that I had concerns about my credit limit, because…

“Your credit limit is £[x]. Anything else?”
“Yes, I’ve got concerns about the security of my account. As you’ve shown no interest in even listening, let along caring, I’d now like to speak to your manager, please.”
*Huge sigh* “I’ll just look at your account activity”
“No, I’m not happy with you doing that. I’d like to speak to your manager, please. And the sigh is not helping things.”
*Pause, and then another huge sigh* “I’ll see what I can do, but I need to check your ID and activity”
“No, I’m not happy with you doing that. I’d like to speak to your manager, now, please”
“I’ll see whether I can find someone”

I did eventually get to speak to a manager, who sorted out that there *had* been a problem in the card company’s processes, but there was no evidence that the account was compromised. I also left a complaint about the first person, because their attitude sucked so hugely.

I don’t expect anything else to come of it, but it’s all reported and dealt with, and I’m happy with how things stand, so at least it’s had a fairly positive outcome.