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Author Topic: What annoyed you today?  (Read 649317 times)

Offline Reinardina

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Re: What annoyed you today?
« Reply #3975 on: August 23, 2020, 11:42:41 PM »
Probably, but what are the criteria? Where's the logic in a case like this?
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Offline Jediboy

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Re: What annoyed you today?
« Reply #3976 on: August 24, 2020, 08:22:38 AM »
I'm not sure logic comes into it. I wonder if an algorithm in a computer has decided that this will happen based on your card usage. I could be wrong but this wouldn't surprise me.
Anyway, I hope that you are well.
May the Force be with you.

Chris

Offline Reinardina

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Re: What annoyed you today?
« Reply #3977 on: August 24, 2020, 09:28:43 AM »
Thanks. I am well, but have been in 'solitary confinement' since just before the lockdown.
I was in Holland when all hell broke loose, so once I was home (two busy international airports, full flight, coach trip home) I decided to self isolate for a fortnight, just in case.' While doing that, lockdown was announced and I'm still at home.

Started to do my own shopping again, so at least I now see other human beings occasionally.

Hope you and yours (and all of you at CC) are okay too.
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Beauty is bought by judgment of the eye.
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Offline Hinfrance

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Re: What annoyed you today?
« Reply #3978 on: August 24, 2020, 10:57:14 AM »
I'm not sure logic comes into it. I wonder if an algorithm in a computer has decided that this will happen based on your card usage. I could be wrong but this wouldn't surprise me.
Anyway, I hope that you are well.

Unused credit limits have a capital ratio cost for banks, so as part of the risk and treasury management functions they review accounts to see if facilities are no longer required or only being partly used.
Howard  My CC Gallery
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The theory seems to be that as long as a man is a failure he is one of God's children, but that as soon as he succeeds he is taken over by the Devil. H.L Mencken.

Offline Reinardina

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Re: What annoyed you today?
« Reply #3979 on: August 24, 2020, 12:42:07 PM »
I'm not sure logic comes into it. I wonder if an algorithm in a computer has decided that this will happen based on your card usage. I could be wrong but this wouldn't surprise me.
Anyway, I hope that you are well.

Unused credit limits have a capital ratio cost for banks, so as part of the risk and treasury management functions they review accounts to see if facilities are no longer required or only being partly used.

Thank you Howard. I knew I could count on you for an explanation.
So, instead of saying: "You're costing us money," they pretend to keep me financially secure.
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Reinardina.

Beauty is bought by judgment of the eye.
Shakespeare. (Love's Labours Lost.)

Offline Hinfrance

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Re: What annoyed you today?
« Reply #3980 on: August 25, 2020, 09:39:55 AM »
I'm not sure logic comes into it. I wonder if an algorithm in a computer has decided that this will happen based on your card usage. I could be wrong but this wouldn't surprise me.
Anyway, I hope that you are well.

Unused credit limits have a capital ratio cost for banks, so as part of the risk and treasury management functions they review accounts to see if facilities are no longer required or only being partly used.

Thank you Howard. I knew I could count on you for an explanation.
So, instead of saying: "You're costing us money," they pretend to keep me financially secure.
Both can be true - but why advertise the first bit?  ;)
Howard  My CC Gallery
My Flickr
The theory seems to be that as long as a man is a failure he is one of God's children, but that as soon as he succeeds he is taken over by the Devil. H.L Mencken.

Offline StephenBatey

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Re: What annoyed you today?
« Reply #3981 on: August 25, 2020, 06:15:28 PM »
I've had the reduction letter as the penalty for not using the card as well.

As far as shopkeepers go, some years ago I was in a confectioners in Lewes, and discovered that they preferred credit card payment to cash. The rake off to the credit card company was negotiated and meant that the credit card company took a smaller percentage of the sale than their bank did as the charge for depositing cash! I've tended to ask since then, although these days a lot of shops don't want to handle disease carrying money and insist on credit card payment. Even if the sum is less than a pound.

 

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