It’s still a local non-working holiday today because the floods have not subsided yet. I was supposed to watch Taiwanese drama “Down With Love” on marathon today, but then that guy from METROBANK Credit Card called again for the 100th time!
The story is, my statement balance to be paid in January 10, 2011 is less than P 1,500.00. Because I was probably so busy that day since we were supposed to go to Manila the day after, I totally forgot about paying it, the amount being negligible. When we arrived back home in January 17, this guy called hubby telling him of the overdue amount of P 1,200.00+++. It was only when hubby told me about it that I remembered about it.
I originally planned to pay the following day, but I took notice of the policy of these credit card companies to charge late payment fee and interest on the TOTAL OUTSTANDING BALANCE immediately after the due date. Since I have to pay the same amount of money whether I pay late or the next statement date on February 10, 2010, I resolved to pay on February 10 because it’s not as if they will make any rebate on the charges and interest.
The next time a personnel from Metrobank’s Credit and Collection department called, I was the one who got the call. That lady reminded me to pay the minimal amount again, but I clarified the policy about the balance already being charged for late payment fee and interest and she confirmed it. So I told her that in that case, I’m paying the amount on my next statement date to get maximize the time value of my money. She reiterated that the account was already past due so I have to pay it immediately. I told her it’s my option when to pay the account and I’m not paying it earlier than February 10.
After that, in another day, this guy called about the account again and I didn’t even wait for him to finish what he was saying and just plainly told him I’ll pay on the next due date on February 10. I didn’t give him another chance to say anything further because I promptly ended the call.
The day following, it was hubby who got the call again. He told me the guy was very rude when hubby reiterated my position to pay on February 10 [is Metrobank financially in trouble? why the hell are they getting worked up over a mere thousand pesos?]. The guy from Metrobank said if we won’t pay, they were going to annoy us [exact word: iinisin at iinisin ka talaga namin]. Hubby told him to be careful because he’s speaking to a lawyer.
This morning, I got the call from that guy again. I politely told him we were paying on February 10 because “you already charged us for late payment fee and interest on the amount due” but he wouldn’t stop ranting about how it was my fault he was calling each day. I told him to watch the news because Butuan City is flooding right now and the banks are closed. He did not even change the tone of his voice, but sarcastically told me that I should have scheduled to pay earlier when it was not flooding [can I kill this guy?] I angrily answered him, why does he care so much, “is it your money? are you my creditor? you can’t force me, i’m not gonna pay before February 10” then I slammed the phone.
I got so angry that I’ve decided I’m gonna have our Metrobank cards terminated after I make a full payment on February 10. And, after this rant, I’m so going to make a written complaint to Metrobank about their rude and annoying employees.
Under the law, anything which annoys the senses is a nuisance. And that Metrobank collector, is indeed a private nuisance, I can have his annoying act abated.
I mean, really, just for a thousand pesos, Metrobank collectors are spending for long distance calls daily! The repetitive calls are pure harassment. It’s up for the debtor to pay when he wants to pay — that is why they charge interest, for godsake! They can’t force me to pay. If they want, then they should just file a collection case against me. My deposit in their bank is more than a hundredfold of that amount they’re pestering me to pay, my gawd. We’ve had this card since 2002 and ever since, we have always paid in full on due date. What the hell is their problem now, harassing clients?
To all of you out there, don’t even get a Metrobank card. I have a lot of credit cards and I had my share of forgetting to pay on time, but this bank? Its employees will not stop harassing you until you go out of your mind and pay the sum.
I’m so gonna terminate my account. And I’m so gonna withdrawing my money in this bank on the maturity date of my time deposits.
And I’m so gonna tell the management about that rude employee.
Updated: I guess this post reached metrobank’s ears, I’ve been getting comments from a biosystematic site, defending metrobank’s side. Lol, your comments aren’t ever going to be published, so stop them. I’ve only one thing to say. This post isn’t about me not wanting to pay on time, it’s about how rude and annoying those metrobank’s collectors are.