My first two irritations with the Lowe's card

Where you can talk about store credit cards, like gas station cards, department store cards, etc.
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MemberSince99
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My first two irritations with the Lowe's card

Postby MemberSince99 » Mon Sep 08, 2014 6:59 am

First one is a minor quibble, but seriously, how many times are you going to prompt me to ask if I want to make a payment, do I really want to make a payment, do I really really really want to make a payment? Just do it already.


More importantly, now that I bought a house I'm obviously moving. Why on earth they won't allow me to change my address information online and I have to talk with someone in India to do that is beyond me.


Yes I'm aware they will argue that someone could have hacked my account, but hey someone could just call in as me too so what the hell difference does it really make?


I don't feel like talking with someone in India I can barely communicate with so I'm just not going to bother with it GE. Make my life more difficult and you lose. Every other card I have I was easily able to make the changes online without trying to communicate with someone in another country who doesn't speak English well. No knock on them, but why should I have to deal with that?


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Postby MemberSince99 » Mon Sep 08, 2014 11:43 am

Just an update - I called them as I thought about how my identity could get stolen if they send mail there when I'm gone.


Went through literal voice mail hell to get to a human being who could help me. Why you can't just do it online is totally beyond me - maybe just secure it by asking for the secret word or some other information. Anyway it was an American I talked with, which surprised me. But it was a pleasant surprise there.

popamode72
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Postby popamode72 » Mon Sep 08, 2014 5:22 pm

So sorry you had to go through that. Rarely had do deal with customer service or Credit Solutions but the reps that I've talked to have all been Indian.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

MB131174
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Postby MB131174 » Mon Sep 08, 2014 5:42 pm

well that didn't take long. when do u think u will close the card?
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otter
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Postby otter » Mon Sep 08, 2014 7:00 pm

I think GE uses the same outsourced CSR's that Crap One uses... except the GE stack doesn't have the "We are a conservative lender" card in their stack of cards.
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

popamode72
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Postby popamode72 » Mon Sep 08, 2014 7:47 pm

otter wrote:I think GE uses the same outsourced CSR's that Crap One uses... except the GE stack doesn't have the "We are a conservative lender" card in their stack of cards.


I've even come across outsourced CSRs with Amex sometimes on the phone though they haven't been difficult for me to work with. I would seriously hope that this isn't becoming a bigger trend with CC companies in general now.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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otter
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Postby otter » Mon Sep 08, 2014 8:28 pm

popamode72 wrote:I've even come across outsourced CSRs with Amex sometimes on the phone though they haven't been difficult for me to work with. I would seriously hope that this isn't becoming a bigger trend with CC companies in general now.


I've dealt with the outsourced Amex CSR's myself... they aren't as bad as the GE or Cap One CSR's.

I personally have no problem with the concept of outsourcing. Heck, if I owned a large corporation I'd probably outsource because the US government is increasingly difficult to employ American workers. Add state and local regulations (I know a trucking company owner in Arizona who charges nearly twice as much to deliver to California as he does to the east coast) and it is simply too tempting to simply go with people overseas to avoid all the US BS.

Where I draw the line on outsourcing is customer service. Build your factories overseas, have your online order service overseas. But if you're going to have people talking on the phone with American people, they need to speak English fluently and without a heavy accent.
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

popamode72
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Postby popamode72 » Mon Sep 08, 2014 9:18 pm

otter wrote:I've dealt with the outsourced Amex CSR's myself... they aren't as bad as the GE or Cap One CSR's.

I personally have no problem with the concept of outsourcing. Heck, if I owned a large corporation I'd probably outsource because the US government is increasingly difficult to employ American workers. Add state and local regulations (I know a trucking company owner in Arizona who charges nearly twice as much to deliver to California as he does to the east coast) and it is simply too tempting to simply go with people overseas to avoid all the US BS.

Where I draw the line on outsourcing is customer service. Build your factories overseas, have your online order service overseas. But if you're going to have people talking on the phone with American people, they need to speak English fluently and without a heavy accent.


I think I feel exactly the same way and that's mainly what I had in my mind. Wanna be sure that the person on the phone I'm speaking to can actually understand what I'm trying to tell them.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

MemberSince99
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Postby MemberSince99 » Tue Sep 09, 2014 4:58 pm

There are a few problems with that whole offshore concept.


First just because it's cheap doesn't mean it's good or even worth what you pay. Case in point I worked for an international company that offshored their IT to India. Even though it was cheaper, they got so little back they ended up bringing it back to the US.


Second, in terms of the US as a whole, where are Americans supposed to work when all the jobs have gone overseas and they've brought in H-1Bs and legalized the border crossers to take all the jobs? How do these people earn a legal living, how do they contribute to the economy, how do they buy the products and services that business wants to sell?
I used to ask this question and even the most gung ho offshore advocates never had an answer for it. I still haven't heard one. Apparently they don't care, so long as they personally feel they will profit from it somehow.

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otter
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Postby otter » Tue Sep 09, 2014 7:54 pm

MemberSince99 wrote:There are a few problems with that whole offshore concept.


First just because it's cheap doesn't mean it's good or even worth what you pay. Case in point I worked for an international company that offshored their IT to India. Even though it was cheaper, they got so little back they ended up bringing it back to the US.


Second, in terms of the US as a whole, where are Americans supposed to work when all the jobs have gone overseas and they've brought in H-1Bs and legalized the border crossers to take all the jobs? How do these people earn a legal living, how do they contribute to the economy, how do they buy the products and services that business wants to sell?
I used to ask this question and even the most gung ho offshore advocates never had an answer for it. I still haven't heard one. Apparently they don't care, so long as they personally feel they will profit from it somehow.


Member... here's an argument in favor of outsourcing to consider:
http://www.forbes.com/sites/modeledbehavior/2013/01/16/is-outsourcing-american-jobs-wrong/

As for your two points...

Yes, I agree with your first point. Quality is a consideration. If I owned a company, I wouldn't want my IT outsourced either. I think companies need to think seriously about what is and isn't a good thing to outsource. But from a quality standpoint, I don't think about whether my pair of Nike's is being made in some sweatshop in Indonesia or whether it were made in the USA. That $100 pair of shoes would be a $200 pair of shoes if made in the USA because you're not just paying for the shoes, you'd be paying for the employees who made the shoes healthcare, benefits,etc.

As for your second point, well we're reaping what we sowed. We (collectively as Americans, not I mind you) have elected the most anti-laissez faire government ever not once, but twice.
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450



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