Many moons ago I had a Morgan Stanley Platinum credit card, at some point it became a Goldfish card and then suddenly it became a Barclaycard. My dealing with the first two companies was a pleasure, the call centre was in Scotland somewhere, the staff were friendly, and if they couldn't help you they could pass you to someone who could. Then it all changed when Barclaycard took over.
Barclaycard, as some might know, are one of those companies that has relocated its call centres to India. Probably Mumbai or Bangalore, who knows, and it is an absolute mess. Now don't get me wrong about Indian call centres in general, some are great. Well, at least one is great because it was the one I worked with for a few weeks helping their esclation teams understand the concept of ATM networking in relation to semi-LLU broadband offerings. If you're ever in Bangalore I suggest visiting the nightclub Spin.
However, I digress, Barclaycard. What a complete shower of excrement their call centre is. It is staffed by what I can only refer to as process monkies*. There is a process, they follow that process, there can be no deviation from the process no matter what the customer explains, and for me it has just reached a level of absolute insanity.
This morning I rang Barclaycard to make a payment. A signifcant payment in fact as I was going to pay off the entire balance of the card which is quite a large figure. However, due to some delays with Barclaycard's fraud team and some disputed payments on the account I owed them a payment.
So I went through to the payment team and they asked how much I wanted to pay them. I told them I wanted to pay off the card and what was I told by the girl at Barclaycard's Indian call centre? "Sorry, I can only take the minimum payment from you, that is my boundary".
It is an understatment to say that I was stunned at this. Barclaycard were telling me that I was not allowed to pay off my card balance. I was told that I would have to wait for 24 hours until the minimum payment was processed before they could allow me to pay them anymore money.
Now normally I wouldn't mind this, but given that interest on a credit card is compound and calculated on a daily basis, this would mean that Barclaycard would be calculating another day of interest on my significant balance and applying it to the account. Will I get that interest back? Unlikey I was told.
When I asked to be put through to the Complaints Department I was told there wasn't one. I was then passed to Customer Services where I was placed on hold for 20 minutes before I spoke to someone who again informed me that I was not allowed to pay off my card in full today and would have to wait until tomorrow.
Barclaycard, I look forward to paying off my card and telling you to take your account and shove it up your arse. If I borrow money and I don't pay you you can bet that you will be hassling me for repayment. When I call you to pay you money I don't expect you tell me I cannot.
* The term monkey refers to the role and the lack of lateral thinking required, not the race of the staff before anyone screams and gets hyper-excited.