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Thursday, February 24, 2011

Cancel the credit card before you die, this is why!

I would love to share the e-mail that I had received from few days back. Keep on smiling :)

Note: True story forwarded to me (But i don't really know how far it is true). I just love the conversation

My Aunt died this past January. Citibank billed her for February and March for their monthly service charge on her credit card, and then added late fees and interest on the monthly charge... the balance had been $0.00... Now it was somewhere around $60.00.

I placed the following phone call to CitiBank:

Me: 'I am calling to tell you that she died in January.'
CitiBank: 'The account was never closed and the late fees and charges still apply.'
Me: 'Maybe, you should turn it over to collections'
CitiBank: 'Since it is 2 months past due, it already has been.'
Me: 'So, what will they do when they find out she is dead?'
CitiBank: 'Either report her account to the frauds division, or report her to the credit bureau maybe both!'
Me: 'Do you think God will be mad at her?'
CitiBank:'... excuse me... ?'
Me: 'Did you just get what I was telling you... the part about her being dead?'
CitiBank: 'Sir, you'll have to speak to my supervisor!' (Supervisor gets on the phone)
Me: 'I'm calling to tell you, she died in January.'
CitiBank: 'The account was never closed and the late fees and charges still apply.'
Me: 'You mean you want to collect from her estate?'
CitiBank: '.....(stammer)' '....Are you her lawyer?'
Me: 'No, I'm her great nephew.' (Lawyer info given... )
CitiBank: 'Could you fax us a certificate of death?'
Me: 'Sure.'
(Fax number is given)
(After they get the fax.)
CitiBank: 'Our system just isn't setup for death'
Me: 'Oh... '
CitiBank: 'I don't know what more I can do to help..'
Me: 'Well... if you figure it out, great! If not, you could just keep billing her... I suppose... Don't really think she will care....'
CitiBank: 'Well... the late fees and charges do still apply.'
Me: 'Would you like her new billing address?'
CitiBank: 'That might help.'
Me: 'Nilai Memorial Park Cemetery ( North South Highway and plot number given.)
CitiBank: 'Sir, that's a cemetery!'
Me: 'What do you do with dead people on your planet?'



tupaimerah said...

naseb baek saya tak pakai kad kredit. sekurang-kurangnya bakal tak menyusahkan keluarga saya. hehe

Pirate said...

Tupaimerah - wah... bagusnya
Anonymus - hvala vam...

Hairil Rizal said...

U can't be serious that this conversation actually happened?

Aku penampar juga org Citibank tu!!

Suhami Ahmad said...

omg pirate.thanks 4 da info. the conclusion is say no to credit card

Pirate said...

Hairil - hahahhaha kurang ajar lah kan? tp x tau betui ke x citer neh
Suhaimi aka Atok - yeahhh no to credit card! (lupa lak nak bayo bln lepas punya)

kyle said...

lol.....siap leh mintak biling address g....hahaha

Suhami Ahmad said...

ha? Bayo...jangan tak bayo...bahayo tak bayo...he2

Rozuan Ismail said...

Credit card is not a symbol of rich peoples. it is a symbol for peoples who like to have debt

Pirate said...

Rozuan - Yes. You really need to manage properly otherwise u'll sink with the debts!

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