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January 14, 2011

Those Pesky Stalker Credit Card Companies

I don't know what it is these days, but credit card companies are really starting to annoy me. The problem? They're needy--nay, desperate--like that guy you can never get rid of because he can't take no for an answer.

First, it was Chase. Freedom. Blueprint. I forget what else. Junk mail every single day, promising something, showcasing another. A few advertisements now and then, I could understand, but we've reached the point of mailbox saturation.

More recently, it's one of my own credit card companies. They keep promising that if I'll sign up for certain things, they'll pay me a certain higher cash-back bonus than they typically do. And they keep trying to entice me to use their card more often because I might win a million dollars in a drawing.

Ok, I get the angle. If they can get their customers motivated to use their card more, a couple things happen that benefit them. First, they earn a chunk of change from each business where the card is run. Second, they bet on my paying them interest, or worse, a late fee (two bets which, thankfully, with me, they will lose!).

But what particularly irks me is that they showcase their marketing in a way that actually catches me for a moment and makes me think I want them. Who doesn't want a better chance to win a million dollars? Who doesn't want a higher cash-back reward? Who doesn't want a plan that helps them automatically save when they spend? Et cetera, et cetera, et cetera.

How very easy it is to whip out the plastic time and again, all for the sake of earning more free money.

Well, I'm tired of hearing about it--I'm tired of my card company--and most of all, I'm tired of Chase and its aggressive marketing. Buzz off, credit cards! It's not you; it's me.

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