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Who's In Your Wallet...er Blog?

OK, in my last post I rambled on (among other things) about receiving a letter from Capital One changing the terms of my credit agreement. Imagine my surprise I when I received a comment from someone purporting to be a customer service representative with Capital One. Here's the link if you're interested.

When I read the comment I laughed and said... "Boy, I am in the big time now. Capital One has folks commenting on my blog." Now, none of us really know for certain that this is a person who works for Capital One in any capacity. It could be a really good prank or someone phishing for information. I just know that I am not clicking any links or trying to contact anyone with the email address that was provided.

I read the comment shortly before having to jet to work.... that would be an idiom meaning I was running late and had to drive quickly and directly, not that I am accepting bail out money like some companies who are using tax payer dollars to fly in corporate jets...At any rate, and I am up to 35.99% now, while at work I did lots of thinking about the post. Here are some of the things that bounced in my little head.

First thought, "What if it really is someone from Capital One?" That sorta spooked me. Do they have people who use google reader so they know when Capital One is mentioned? Should I have done something to try and disguise the name? Cap it all won? Is there a chance that those Viking guys are going to come pillage my home now? Those were great commercials, but I don't think I have seen them for a while... could it be because of the new business decisions?

Next I had to wonder, "Am I offended?" I mean, was Kathy intimating that I had not paid my bills on time with her response? Nah, I think I clearly said I asked the customer service rep (who was using the name Judy but was probably really named something like Jayashri or something similar) if I had been late or if there was a problem with my account and was told no, that it was a business decision Capital One made. Perhaps she was simply trying to explain the policy of default rates thinking that I was blissfully ignorant? Either way, if it is an actually employee of Capital One, I am happy to give her the benefit of the doubt, I think. Perhaps she reads my blog and just happens to work for Capital One and thought she was being helpful. It could happen, I suppose.

My mind ran amok with me after those thoughts. What if she is like the Coke spies my very first boss warned me about? My first real job was working at a miniature golf business that served Pepsi from an old fashioned root beer barrel. The boss warned me if someone asked for a Coke to say, "It's Pepsi, is that OK?" She told me that there were Coke spies that went to businesses and ordered Coke and waited for you to serve them a Pepsi and then they made trouble for you and your business. Why? Because Coke is a trademarked product. Now, I confess, I thought my boss was a little paranoid and then one day it happened. Two men dressed in business casual attire came up to my window and ordered Cokes. I started pouring the sodas and said, "It's Pepsi, is that OK?" That's when the man with the money said, "No. I only drink Coke." With that he pulled out a business card for Coke and asked to speak with the owner. Where am I going with this story? What if there are Capital One spies who go around the net looking for bloggers to use their name in vain? Will I need to go into some sort of protection plan? Will my other creditors assume a watchful position over my blog? What if I say something about Chase? Will they comment too? Are they keeping score? Do I need to say something nice about Capital One?

Right now I am too tired to worry about Capital One and increasing interest rates. I am going to go to bed before there's a knock at my door and the Barbarians let themselves in.

Comments

Lockheed said…
Kapital Wan has a habit of upping your rate without notice. In fact, most credit cards have that option in their contracts. They can increase your rate at any time for any reason. Late returning some videos? You're up to 20%, I'M NOT KIDDING. That said, there are a lot of companies out there who would love your business, I would recommend you talk to your local bank first, as they usually have good rates and better service. Failing that, I recommend you do a lot of research for the lowest rate/terms and move to them. Kap Wan lost my business ages ago.

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