I've had a Discover Card for quite a few years. I don't make it a habit to go buying crap willy-nilly, let alone buying something and putting it on my card, so my Discover card doesn't normally see a whole bunch of action. But I do like to have it around, and I find it especially useful when I travel.
And I liked Discover... they always seemed to be ok, or at least as ok as a lender could be expected to be. I even participated in their credit protection service... being the paranoid guy I am and all. That means that each month they got a little money from me. Not a whole bunch, but I'd say certainly enough to cover maintaining my account and still turn a small profit.
So we get this letter from Discover (emphasis mine):
Discover Card periodically reviews the status of all our accounts to make sure they have been active in the last 30 days. If you have not used your Discover Card recently, now is the time to use it for all your purchases to keep your credit line active and avoid potential closure.
Are you kidding me? A threat?? Use their card or potentially have my account canceled?
Ya...
that's gonna work.
I call Discover and speak with an account manager, letting her know that I'm going to cancel my account. I'm not one to take out my anger on the phone people... after all, they themselves usually aren't trying to yank my chain. She asks me why and I let her know that I got this threatening letter, and that I'm not one to be told what to do by a service provider and so I'll be taking my business elsewhere.
She tries to explain that it wasn't meant to be a threat, just a reminder of all the wonderful options available through Discover.
Ya... that's a good one.
I'm well aware of Discover's promotional methodologies, as I've been a customer for years. Receiving what was essentially a post card in the mail wasn't a promotion. This was a threat, plain and simple. You would think that a lender would realize that in this financial climate, threats aren't really the best approach to customer retention. Talk about expecting more from your credit card.
Discover can kiss me square in the Southern Fried Chicken.
Note: There was one good thing that came of all this. While writing this rant, I used the word "cancelled" instead of "canceled". Blogger didn't like "cancelled", which I thought was correct, but it does like "canceled", which I can't say I've used before. A quick Google leaves me believing that both may be correct. So now I'm on a mission to see which is more correct. I'll accomplish this after I get everything else on my plate cleared. If you compare the timestamps of my last post and this one, you'll get an idea as to how quickly things are moving around here. *eyeroll*