I want to pay off my credit card sometime in the future, so I called the bank on Saturday to have my card cancelled. The idea is to be denied access to the funds till I finish my debt. The card division told me that this can only be done if the card is reported or if there's an illegal activity on the card. I have it with me and there's no illegal activity. I tried explaining this to consultant but he said there's nothing he can do the system is designed that way.
Your system must be stupid or at least the programmer who designed it; there should be an option to provide other reason. In this scenario the consultant would choose OTHER and then provide the reason: "Client called to cancel a card with the hope of being debt free" now that would have been a clever system.
I refused to understand how such a big bank has a stupid system as this one, and then I was taken to collections department. The collections consultant said I should be listed as a slow payer on ITC for this to happen. How stupid is that?
I still think the consultants had a limited training, please let someone who knows better to call me and cancel my card without hurting my credit profile.
Regards,
Fezile
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