Aah, the credit card. An object that signifies one's entry into adulthood (just like paying the regular jeepney fare.) To have a credit card application approved (or to receive one the mail, totally unsolicited) is a validation that a person is deemed financially responsible and trustworthy enough to be given a credit limit that more often than not exceeds his/her monthly income. Credit cards are also a sort of status symbol these days. Never mind that fact the abundance of credit cards and easy credit is what led to the global financial crisis.
As of this writing, I personally have three credit cards. I got my first credit card in 2008, issued by BDO. I never applied for it, just received it in the mail out of the blue. I didn't ask why I received a credit card. I was just happy I got one, with a credit limit more that six times my monthly salary at the time. Hell, I was *entitled* to one. I was employed *and* I was paying the regular jeepney fare. Needless to say, I proud of myself (as it turns out, banks give out credit cards pretty much to anyone with a significant amount in their deposit accounts.)
My second credit card is from my employer, BPI. I applied for this card because the annual membership fees were waived as long as I was employed by the company, and also to avail of a 3% fuel rebate at Petron.
I'm happy with my first two credit cards. I use my BDO card for regular purchases and my BPI card for fuel. The payment due date for the former falls on around the third week of the month, while latter's falls on the first week of the month. This is convenient for me as I get paid around the same time each month, meaning I could pay my credit card bills immediately and avoid any late fees and/or financing charges.
So why did I get the third credit card? Because of the sales pitch.
It was in October 2011. A credit card sales agent from Metrobank came by our office. I assumed he was a Metrobanker (as people from Metrobank like to call themselves, according to my friend Malou) because he said he was and he had the proper identification. I couldn't remember his name though. But what I can remember is that he was a decent looking fellow who seemed professional enough.
He was selling a Robinsons-Cebu Pacific Mastercard, the result of a joint venture between JG Summit and Metrobank. Basically, it was a credit card that offers perks if your use it in your purchases from the various JG Summit companies (Robinsons Department Store, Toys R Us, Cebu Pacific, etc). Those perks didn't interest me mainly because I didn't see myself buying P10,000.00 worth of merchandise from any retail outlet nor am I a frequent flier. What did interest me was the offer of another Metrobank credit card with the annual membership fee waived for life if I availed of the Robinsons-Cebu Pacific Mastercard. “What's the catch?,” I asked. “No catch, sir.,” the agent replied. “All you have to do is avail of the Robinsons-Cebu Pacific Mastercard, with an annual fee of P1,500.00. After six months of using the Robinsons-Cebu Pacific Mastercard, we will automatically mail you the Metrobank Mastercard with no annual membership fee. And,” the agent continued, “most of our clients use the Robinsons-Cebu Pacific Mastercard for six months, then cancel it when the Metrobank Mastercard arrives.” Wink, wink.
I was sold. I filled out the application form, gave photocopies of my ID, and signed on the dotted line. The agent collected the form, and about two weeks later, this arrived in the mail:
I edited the picture, obviously.
Yes! Another credit card. I didn't even have to call to have it activated. It was pre-activated. Booyah! I am now three times the adult I was when I graduated college.
A few days later, I called the Robinsons-Cebu Pacific Mastercard hotline with a few questions regarding my brand-spanking-new credit card. After the agent, a wonderful-sounding girl name Julie answered all my questions, I told her that I was promised by the credit card sales agent that I would receive another credit card with no annual membership fee for life. “When exactly would I receive it?,” I asked. Julie answered rather meekly, “Sir, I apologize for that information.” Thinking that I misheard what she said, I asked Julie to repeat it. “Sir, I'm sorry. But that information is not true.” “Huh? What do you mean?”
Julie went on to explain that the information given to me by the sales agent was not true. She said that I would have to use the Robinsons-Cebu Pacific Mastercard for at least a year before I can APPLY for the Metrobank Mastercard with the annual membership fee waived. Julie explained all this while profusely apologizing for the wrong information given by the sales agent. The poor thing must have been expecting that I would become irate. Which I was, and still am. Don't worry, I didn't vent my anger on Julie. I've worked at two call centers before, and I know that it sucks to be shouted at for something that was not your fault.
“That's okay.,” I told Julie. I thanked Julie for her time and hung up.
It's just a credit card. No big deal, right? But it is a big deal. This situation is exactly what I was talking about in my previous blog post.
The sales agent knowingly provided me with false information regarding his product, and he did so in order to make sale. He willingly and blatant lied to my face just to earn a commission. He even gave me tips on how to take advantage of the very company that employs him. The sales agent may have had a sales quota to meet and that's why he had to resort to underhanded tactics. But that does not excuse his actions in any way whatsoever.
Now, some people might say that this happens all the time and I'm not the only person in the world to have been duped. That in itself is alarming. Why? BECAUSE THIS HAPPENS ALL THE TIME. People are constantly lying to other people just to get ahead. We have to be honest and fair in all our dealings. We have to start doing this so that we will not have to live in a world where we have to lie and cheat and steal just to make ends meet. We are better than that.
Also, I lied when I said earlier that I have three credit cards. Just before publishing this post, I called the Robinsons-Cebu Pacific Mastercard hotline and had my credit card cancelled. I truly and sincerely hope that the motherfucker's commission is affected.
*All conversations were in either in Tagalog or “Taglish.”

