Recently, I received a credit card statement. It says the total amount I owe the bank is PhP1,500 and the minimum amount that I have to pay is PhP200.
Now here’s the thing:
1. I do not have any credit card, or had any credit card in the past, from that bank.
2. I did not apply for a credit card from that bank.
3. I do not have an account with that bank.
I called the credit card’s hotline and here’s the conversation that transpired between me and an agent.
Miss N: Miss, I just would like to inquire why I received a billing statement when I do not have a credit card from your office. It says here I have to pay PhP1,500.
Agent: Ma’am, our record shows it is the charge for your annual fee.
Miss N: Yes, I can see that. But how can you charge me with annual fee when I don’t even have the card?
Sensing that I am in no way going to pay the amount, here’s the agent’s reply.
Agent: So what do you want us to do with your card? Ipadadala pa ba namin sa inyo, or cancel na lang?
The agent’s reply almost made me faint.
Do they really expect people to pay annual fee even without the card? Is this really how it works now? The bank is charging me for annual fee tapos wala pa naman sa akin ang credit card. SMY! Sabi nga ni Brother Utoy.
While other banks waive the annual fee for the first year, itong bank naman na ito is charging me annual fee before I could even use the card, or should I say, before I could even lay my eyes on the card. Eh ni hindi ko pa nga nakikita talaga ‘yung card na yun. I don’t even know how it looks like.
What surprises me is that the bank I am referring to is a reputable one. It’s one of the most respected banks in the country. Haaaaay….