Saturday, February 10, 2007
 
MY LIFE SAVER
When I first started thinking about making this post I had two gripes to write about, now I have three!

For the past five years I have had a charge card with Capital One which when I used it at a T.J. Max, Marshalls, HomeGoods or A.J. Wright store I received 5% credit and periodically I received a ten dollar certificate which I could use at any of the afore mentioned stores. That worked out very well for me since I am a TJX and Marshalls shopper.

About a month ago I received a letter from Capital One informing me that they will be phasing out the TJX Visa Card effective January 31, 2007.


As of February 1, 2007 I will be automatically enrolled in a Capital One No Hassle Cash Visa program where I will earn cash back rewards

The other day I received a new charge card from Capital One with my existing account number with instructions to call their 800 number to activate this card, and they reminded me to destroy my old card.

I called the 800 number and after being put on hold for some time. You know how that goes, you wait, you wait and then you finally get numbers to press. I had a question, wanted to talk to a live person and finally I succeeded.

My question was, "with this new set-up, what rewards will I receive?"

According to the person I spoke to my understanding is that I will get 1% rewards on my purchases. My invoice will show how much I have earned each month and when I SEE that I have received $25.00 in rewards, I HAVE TO GET IN TOUCH with the company and then they will send me a rewards certificate or I can use it to credit my account.

Now, I don't know whether the person I spoke with knew what she was talking about or if this is really the way it will work. Perhaps the company is counting on the customer neglecting to keep watch of their rewards.

Ok, so I'm not happy losing my 5% rewards program and I'm not happy with the new rewards plan but listen to this!

As I mentioned earlier when I received the new card I followed the instructions, called to activate the card and did what they reminded me to do, "I destroyed the old card."

The next day I went to the supermarket, did some food shopping and used my NEW CARD. Well, what do you know, "card NOT AUTHORIZED."

I tried it several times but it was not accepted!! I did not have enough cash to pay for my purchases but I ALWAYS have a life saver in the trunk of my car. My husband always keep extra cash in the trunk, just in case!

Aaron, you saved me again!!


Comments:
Millie I showed your story about the money in the trunk to my wife, and now she understands better why I keep a little "stash" in the trunk.
Thanks for sharing with us.
You are Tops!
 
Millie, I wouldnt deal with Capital 1 if my life depended on it after an unpleasant run in a few years ago. A hateful bunch yjey are.
 
once again, millie, you've done important "expose" of the sort of problem we encounter more and more. just the other day, i said to my spouse at the end of dinner in chinese restaurant, "millie garfield could add these damned fortune cookie packages to her series." how about it? yours, naomi
 
How frustrating! I think I would cut up their card, send it back to them and also send a letter explaining why you are returning it.
 
There's a special room in purgatory for the marketing hacks that dream up this stuff.
 
I also had a recent experience when attempting to pay for purchases by check. I just may have to blog about this.
But what it all comes down to is....technology truly stinks! All of these errors, etc. are due to technology.
Seems we used to call that "mad money" and yes, Aaron taught you well! Bravo for him.
 
Isn't that always the way...hope it's fixed now.
 
I'm shopping for a new credit card company.
What company do you have, are you happy with them and what are the benifits?

Thanks in advance for the suggestions.
 
That's why I can't wait to get to the Bend and use plain old dirty cash!
 
Naomi

I have trouble openning those fortune cookies too. My trustee little scissor is another life saver for me, I keep it in my handbag and I am so pleased when I take it out of my bag and become a real "cut-up."
 
I cut up my Capital 1 card a few years back. No good for anything.
 
Good thing you had a little cash stashed away. Yes, those poor credit card companies, make so little profit, they can't afford to make it easy for their customers to redeem any awards they offer.

Thought of you when I was wrestling with some of that hard clear packaging, trying to get an item out it I had purchased -- thought I'd end up slashing myself before I finally got it out.

At last I wrote a bit about a few blogs I recognized -- slow but sure I'm getting to some.
 
I saw your very nice write -up about my blog on your "Along The Way." Thanks!!

Speaking of opening things, my dentist recommended an electric toothbrush to me so I went out and bought one. Would you believe I could not open the package!! Like you wrote, struggling with the plastic.

What I did was on my next visit to the dentist I brought the package in and had the hygienist open it for me. (and she had a hard time)

There is a piece of Steve's birthday cake waiting for you in Claude's freezer, anytime your ready to enjoy it!!
 
I just heard that TJX is switching credit card providers and will be coming out with a new Chase TJX card with the same features as your old card.

Stay tuned.
 
A pox on CapitalOne -- I got a credit card from them after my divorce to try to re-establish my credit and found them difficult to deal with.

Since I have one hand/arm that has damage and doesn't work too well, Ik've discovered that my trusty kitchen shears will hack the heck out of pesky packaging! I found them in a deep discount store here for mere $1.99. The Man noticed them on a visit and liked them so I picked up a pair for him!
 
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