When Mrs Yenjai
got this letter from the bank. “Dear So-and-So, we regret to inform you that your application for the credit card had been rejected.”
, both husband and wife were tickled pink.
I too, once had a similar experience many, many moons ago, sans the letter. I too, had taken pity on the poor sales executive who just refused to let me go and he spun a convincing sob story…that he had been standing there for the whole day already and no one has signed up with him. Adoi…kesian, it’s soooo susah to cari makan, ya.
Since I already have an existing credit card, all that was needed was a photocopy of the card in my wallet and my identity card - no need for further supporting documents to go with the application. Okie, I signed on the dotted line and went on my way. I completely forgot about the application until I think it was like almost half a year later when I chanced upon an advertisement placed in the local dailies by one of the banks….”Apply Now and Get This Trolley Bag (or whatever) FREE!”
. The word ‘FREE’
screamed at me. ….hahahah….
Then only I noticed that the name of the bank, somehow rang a bell. Oh yaaa.…I remembered....I DID apply
for one card long, long time ago. But wait a minute, I receive no card! What happened????
That called for a ring to the number advertised on the newspaper. After a few exchanges of “Yes.”/ “No.” / “OK..”/ “Hummph…”/ “Ahhhh…”/“Please hold on.” / “Let me check.” / “bla…bla…bla…”,
the sweet voice over the other end spoke loud and clear, “Ms Tan, we rejected your application.”
Me : What?????
Say again, please.
She : Your application has been REJECTED
Me : Why?
She : I don’t know.
Me : What do you mean? I need to know the reason.
She : Sorry. I don’t know.
Me : Nevermind. I am sorry too. You have a good day. Thanks.Wah…..I was not the least amused
. I cannot eat and I cannot sleep already. Die lar…dunno the rejection got anything to do with someone mischievously using my I.C and then raked up unpaid debts and if my name is on the Central Bank's black-list and worse, is my name listed as a bankrupt, etc…etc…. The panic-button that I am, my mind went on an active overdrive. Aiyoh…summore it was a weekend, so I could not call the bank’s head office or any other office for that matter. It was a wretched weekend, aitelyu!
Early Monday morning, I made a call and as usual, had to press all the available buttons on the phone before I finally got to speak to a humanoid. Come to think of it, I am not sure if the 'kongsis' and banks and corporations are aware that IVR
(I think it stands for Interactive Voice Recording or something) system raises blood pressure. Anyway, the call was not fruitful and I did not end up any wiser. “Sorry, Ma’am. We cannot tell you the reason for rejection. It’s private and confidential.”
I stubbornly pushed on and many calls later and after repeating myself hoarse and insisting on an acceptable answer, one poor exasperated fella whispered, “Okie Ma'am, please don’t say I tell you one ar! It was rejected because the photocopy of the I.C. is not clear. We waited and then closed the file.”
Only this to have caused me serious anxiety for the whole weekend???? **pengsanssss **
Why can’t they tell me straight and be honest upfront, huh? The bank executive highlighted to me a clause printed on the application form, in the tiniest fine print of course
, that, “the bank reserves the right to reject any application without assigning any reason whatsoever.”
And the executive then asked if I wished to re-apply.
“NO. Kamsiah Seribu!”