Hubby received a telesales call in mid-2012, and after hearing out the offer, hubby agreed to sign up for a totally free Credit Shield Insurance Plan offered by ING insurance company in collaboration with Citibank Credit Card (Malaysia).
The terms he was told (and double confirmed in that phone call) is that he doesn't need to pay a single cent if he has no credit card outstanding balance every month. He was sent a terms and conditions booklet in the mail and kept it, did not think too much about it.
Anyway, come August, the statement reflected a 21bucks charge for Credit Shield insurance premium. He double checked with the terms and conditions and the previous months for any outstanding balance and confirmed that he has paid up all his credit card outstanding balance IN FULL every month. The Credit Shield premium was first reflected as 0bucks in July statement. The deal was he is given free insurance as a reward for paying his credit card balance in full every month. No extra charges for the insurance coverage.
He called Citibank and was told that the insurance plan is only free the first month and will be charged a nominal fee based on subsequent months' outstanding balance of credit spent every month. Hubby was livid and pointed out there is no mention of that clause in the written agreement he received. However, the customer service person finally said they will refund the 21bucks and asked hubby to email or fax to request for a termination of the insurance coverage. He claimed that it is ING's fault for changing the clause. Oh, well, then it is their fault for overlooking that change!
Anyway, just a rant because this is the second Citibank Credit Card issue hubby encountered so far. At least this time, the result seems amicable. Keep it up, Citibank!
Showing posts with label bill problem. Show all posts
Showing posts with label bill problem. Show all posts
Friday, 7 September 2012
Sunday, 15 July 2012
Prepare to be dazzled - Freakonomics
"Prepare to be dazzled." - Malcolm Gladwell, author of The Tipping Point and Blink
I finally got down to 'reading' the audio CD of the "Freakonomics" by Steven D. Jevitt and Stephen J. Dubner, it is an audio CD read by Stephen J. Dubner.
The CD has been bought when hubby and I were rushing to literally buy up to the maximum limit for tax-relief purposes some more than one year ago, along with many other reading materials now lying nicely on multiple shelves at home.
I love Malcolm Gladwell, and I've heard of Steven Levitt, so that is strong enough reason for me to grab the Unabridged version of the Freakonomics - A rogue economist explores the hidden side of everything - and New York Times Bestseller (which is kinda like cheating as the co-author and the voice beind the CD, Dubner, writes for the New York Times, oh well).
Why do people cheat? Cheating may not be part of human nature but it still happens... whatever if worth having is worth cheating for - "Cheating is getting more for less".
Okay, I am not judging the authors... I am just paraphrasing from what I hear being read. Just couldn't resist the play of words.
"To catch a cheater, you have to think like one".
From the back cover of the CD case:
QUOTE
"Which is more dangerous, a gun or a swimming pool? What do schoolteachers and sumo wrestlers have in common? If drug dealers make so much money, why do drug dealers still live with their moms? How much do parents really matter? What kind of impact did Roe v. Wade have on violent crime?"
These may not sound like typical questions for an economist to ask. But Steven D. Levitt s not a typical economist. He is a much-heralded scholar who studies the riddes of everyday life - from cheating and crime to sports and child rearing - and whose conclusions regularly turn the conventionl wisdom on its head. Thus the new field of study contained in this book: Freakonomics.
Levitt and co-author Stephen J. Dubner showthat economics is, at root, the study of incentives - how people get what they want or need especially when other people want or need the same thing. In Freaknomics, they set out o explore the hidden side of ... well, everything. The inner workings of acrack gang. The truth abuot real-estate agents. The secrets of the Ku Klux Klan.
What unites all these stories is a belief that the modern world is even more intriguing than we think. All it takes is a new way of looking. Steven Levitt, through devilishly clever and clear-eyed thinking, shows how to see through all the clutter.
UNQUOTE
Hubby has returned from his work trip, hence I have put a hold to my listening of the 7 hours worth of audio. Yeah, it was more to entertain myself while I was home alone when hubby was away on his work trip those few days. I am hardly half way through, but I already like what I hear. Will continue with the rest when the time comes.
Worth listening to/reading. Highly recommended!
I finally got down to 'reading' the audio CD of the "Freakonomics" by Steven D. Jevitt and Stephen J. Dubner, it is an audio CD read by Stephen J. Dubner.
The CD has been bought when hubby and I were rushing to literally buy up to the maximum limit for tax-relief purposes some more than one year ago, along with many other reading materials now lying nicely on multiple shelves at home.
I love Malcolm Gladwell, and I've heard of Steven Levitt, so that is strong enough reason for me to grab the Unabridged version of the Freakonomics - A rogue economist explores the hidden side of everything - and New York Times Bestseller (which is kinda like cheating as the co-author and the voice beind the CD, Dubner, writes for the New York Times, oh well).
Why do people cheat? Cheating may not be part of human nature but it still happens... whatever if worth having is worth cheating for - "Cheating is getting more for less".
Okay, I am not judging the authors... I am just paraphrasing from what I hear being read. Just couldn't resist the play of words.
"To catch a cheater, you have to think like one".
From the back cover of the CD case:
QUOTE
"Which is more dangerous, a gun or a swimming pool? What do schoolteachers and sumo wrestlers have in common? If drug dealers make so much money, why do drug dealers still live with their moms? How much do parents really matter? What kind of impact did Roe v. Wade have on violent crime?"
These may not sound like typical questions for an economist to ask. But Steven D. Levitt s not a typical economist. He is a much-heralded scholar who studies the riddes of everyday life - from cheating and crime to sports and child rearing - and whose conclusions regularly turn the conventionl wisdom on its head. Thus the new field of study contained in this book: Freakonomics.
Levitt and co-author Stephen J. Dubner showthat economics is, at root, the study of incentives - how people get what they want or need especially when other people want or need the same thing. In Freaknomics, they set out o explore the hidden side of ... well, everything. The inner workings of acrack gang. The truth abuot real-estate agents. The secrets of the Ku Klux Klan.
What unites all these stories is a belief that the modern world is even more intriguing than we think. All it takes is a new way of looking. Steven Levitt, through devilishly clever and clear-eyed thinking, shows how to see through all the clutter.
UNQUOTE
Hubby has returned from his work trip, hence I have put a hold to my listening of the 7 hours worth of audio. Yeah, it was more to entertain myself while I was home alone when hubby was away on his work trip those few days. I am hardly half way through, but I already like what I hear. Will continue with the rest when the time comes.
Worth listening to/reading. Highly recommended!
Monday, 17 January 2011
How do you call 100 and 103 for problems of billing regarding a terminated service for TM?
So I don't have a TM line anymore, no phone line to call 100 and 103 and I keep getting the phantom bills that should not have happened as I've terminated my services more than 9 months ago! I need to physically go to TM Point Setapak to settle my problem every month now without avail.. I dread to take off to go to TM P0int again for Jan 2011, 9 months after I terminated my line!
ON the bill, it said, please call 100 for any dispute about this bill.. indeed! I don't have a TM line anymore and my mobile phone provider does not offer 100 calls. So how? I'm sick of TM! Been there more than 12 times over the last 9 months and still my bills won't stop, even had my credit card authorisation cancelled.. but still.. sigh. Stupid organisation!
ON the bill, it said, please call 100 for any dispute about this bill.. indeed! I don't have a TM line anymore and my mobile phone provider does not offer 100 calls. So how? I'm sick of TM! Been there more than 12 times over the last 9 months and still my bills won't stop, even had my credit card authorisation cancelled.. but still.. sigh. Stupid organisation!
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