花旗信用卡不良經驗分享 - 信用卡
By Elizabeth
at 2020-05-20T22:24
at 2020-05-20T22:24
Table of Contents
★職業類別:金融業
★年資:2年
★年齡:27
★持有花旗卡片:Pchome Prime、饗樂卡
★心得:持有花旗卡片約兩年半,PCHOME聯名卡都是在PCHOME進行金額較多的消費辦理分
期使用,饗樂卡是在19年底加辦,平常都是固定時間於花旗行動生活家繳納卡費,但是在
4月底收到催繳通知有信用卡欠款,想說怎麼可能,我每個月都是固定有繳納卡費為什麼
會有通知,打給催繳通知上專員的電話才得知花旗的信用卡是每張卡自行出帳的,就連網
銀不同張卡都要自行開立一個帳戶才能進行繳納,都什麼年代了,個人使用中的信用卡都
超過30張,來往銀行>10間,第一次遇到要求同個客戶會需要去開設一個以上網銀的銀行
,這就算了繳一繳後頂多在花旗多個M1或M2的註記,大不了不要跟花旗有貸款的往來。
沒想到今天收到GOOLE PAY通知說我的花旗Pchome Prime 卡已遭刪除,打去客服
後客服人員說因為前面饗樂卡1千塊的欠款逾期太久,所以全部卡別都要停卡,如果還需
要用卡就請重新辦理,或是申請卡片恢復,但卡片恢復更麻煩建議重新辦理。
便問她為何一個客戶會需要辦理不同的網銀帳戶,在沒收到催繳通知之前根本不
知道花旗需要開立不同帳戶來進行繳款,而且款項也補繳了為什麼還要被停卡,而客服人
員回覆我只有NPC般地罐頭回應還責怪我不去看帳單,說帳單才是正式的網銀不是,聽完
後覺得傻眼便要求客服提供向上申訴的管道,客服人員表示信用卡的業務只有他們這個部
門能辦理,申訴也只能到他們主管。那我只好找他們主管來協助處理了。
換主管來後,主管的態度較為委婉,說會協助我將卡片恢復,她會寄恢復用卡申
請書給我,但是要先把卡片帳務結清才能恢復卡片,我就回應她說Pchome Prime卡我就是
拿來分期零利率使用的,而且使用的時間也蠻長了,因為你們銀行帳戶系統建置不良的關
係,不但造成我在你們銀行內的註記、卡片被停用,還要我吃下原本好好的零利率分期來
繳清會不會太誇張了,你們不同張卡要分開計算根本就是你們的問題,目前有往來的銀行
十幾家,使用中的卡別大概30張,就你們銀行這樣搞真的很扯,信用卡部主管就說請我先
填寫恢復申請書,分期的部分兩天後再回覆。
在跟銀行往來的這幾年中第一次遇到這麼鳥的事情被停卡,真的很難讓人接受,
不知道有沒有人也是因為相同原因花旗搞到的經驗。
--
★年資:2年
★年齡:27
★持有花旗卡片:Pchome Prime、饗樂卡
★心得:持有花旗卡片約兩年半,PCHOME聯名卡都是在PCHOME進行金額較多的消費辦理分
期使用,饗樂卡是在19年底加辦,平常都是固定時間於花旗行動生活家繳納卡費,但是在
4月底收到催繳通知有信用卡欠款,想說怎麼可能,我每個月都是固定有繳納卡費為什麼
會有通知,打給催繳通知上專員的電話才得知花旗的信用卡是每張卡自行出帳的,就連網
銀不同張卡都要自行開立一個帳戶才能進行繳納,都什麼年代了,個人使用中的信用卡都
超過30張,來往銀行>10間,第一次遇到要求同個客戶會需要去開設一個以上網銀的銀行
,這就算了繳一繳後頂多在花旗多個M1或M2的註記,大不了不要跟花旗有貸款的往來。
沒想到今天收到GOOLE PAY通知說我的花旗Pchome Prime 卡已遭刪除,打去客服
後客服人員說因為前面饗樂卡1千塊的欠款逾期太久,所以全部卡別都要停卡,如果還需
要用卡就請重新辦理,或是申請卡片恢復,但卡片恢復更麻煩建議重新辦理。
便問她為何一個客戶會需要辦理不同的網銀帳戶,在沒收到催繳通知之前根本不
知道花旗需要開立不同帳戶來進行繳款,而且款項也補繳了為什麼還要被停卡,而客服人
員回覆我只有NPC般地罐頭回應還責怪我不去看帳單,說帳單才是正式的網銀不是,聽完
後覺得傻眼便要求客服提供向上申訴的管道,客服人員表示信用卡的業務只有他們這個部
門能辦理,申訴也只能到他們主管。那我只好找他們主管來協助處理了。
換主管來後,主管的態度較為委婉,說會協助我將卡片恢復,她會寄恢復用卡申
請書給我,但是要先把卡片帳務結清才能恢復卡片,我就回應她說Pchome Prime卡我就是
拿來分期零利率使用的,而且使用的時間也蠻長了,因為你們銀行帳戶系統建置不良的關
係,不但造成我在你們銀行內的註記、卡片被停用,還要我吃下原本好好的零利率分期來
繳清會不會太誇張了,你們不同張卡要分開計算根本就是你們的問題,目前有往來的銀行
十幾家,使用中的卡別大概30張,就你們銀行這樣搞真的很扯,信用卡部主管就說請我先
填寫恢復申請書,分期的部分兩天後再回覆。
在跟銀行往來的這幾年中第一次遇到這麼鳥的事情被停卡,真的很難讓人接受,
不知道有沒有人也是因為相同原因花旗搞到的經驗。
--
Tags:
信用卡
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