Dear INDIAN GUY FROM INDIA,
You recently contacted me regarding a change made to my Cardmember account.
Regrettably, due to your inability to do anything, not even forward my request to anyone, I will no longer be an American Express user. American Express did not feel the need to contact me in regards to lowering my credit limit except by email, why should I go the extra mile and call you? Again garbage in ï¿½â‚¬â€œ garbage out. The only phone call you will receive from me is one canceling my account.
If Interactive Servicing Support is unable to help me further with this specific request, what other issues could I possibly need taken care of? If you really "take pride in delivering to valued Cardmembers such as myself extraordinary customer care"ï¿½ I sure didn't see it, and if lowering my credit limit is your idea "extraordinary customer care"ï¿½ Then I think I have all the "customer care"ï¿½ I can handle.
Remember this is MY Money we are talking about. Not OUR money. I can spend MY money where I want, when I want, and HOW I want. I don't need your "scoring Models" to tell me where or how, or decide if I am High Risk. Let my past Payment History decide that. Who are you to tell me how to spend my $239,000 yearly household income?
Your welcome for me being your Cardmember, It WAS an honor to be one. I was planning on keeping this card in my underwear drawer, but after this "extraordinary customer care"ï¿½, I think my wife's panty drawer will be better suited for the card.
Soon to be EX-Card holder unless you restore my limit.
You're not dealing with people from India if you have a consumer card. You are dealing with folks in the U.S. I like the racist undertone, though. And the comment about the panty drawer . . . You're sexist, too?
As to $60,000 in transactions over 4 years, that averages to $15,000 per year. That's a little more than $1,000 per month. Do you really think that's a lot of money? Based on other information you posted here, Amex had 20% of your wallet, at best. So much for your loyalty, eh? Why should you be treated better than anyone else exactly?
Most people with a large number of inquiries are looking for credit because they need it. You're not, but how is an issuer to know that? Doesn't this sound like a problem of assymetric information?
Others on this board may laud your approach, but you kind of sound like a spoiled brat to me. Garbage in, garbage out, indeed.
Ok Sideswipa I'll humor you and go through this again since you only joined in March of this year and do not know me. One thing I am not is racist. I am calling them "guys from india, because Both of their names are of Indian decent, one in paticular is a name found in the Kashmir region and also the Gujarat region. I am not sure of the second, because its a common last name in India. I am in Afghanistan, in particular Kabul. There is a large Indian Population here and I work with them and they gather Intel for us. Its part of my job to know as much about the people gathering the intel, as well as the people they are gathering intel about.
$60,000 is a lot of money to me, if its not to you, more power to you, its all relative. AMEX was not my only card mind you, they had a portion, in fact my main expenditures went through them because of the miles.
Again you don't know me, I am no noob that joined in March of 2008. You can keep your spoiled brat comments to yourself. We help each other here, not call each other names like a child.
Judge not, least you be judged. In my personal experience the first person to start screaming racism is usually racist themselves. "Dont complain about the straw in your neighbors eye, when there is a rafter in your own"
EDIT: PS Sorry took so long for me to answer, I was busy protecting your right to post stupid crap like you did.
also its information asymmetry, and yes it is, one person does have all the information.
Sexist??!!! LOL My wife would laugh her $%^ off in your face on that one!!