Cancelled my Disney VISA

[dmoore718]

All I can say is WOW. Entitlment run rampant. I cannot fathom calling someone and threatening to cancel if I don't get x, or y that someone else got, when I am NOT entitled to that deal. That is like my six year old throwing afit because soemone else got to be line leader or got a sticker and she didn't. I just could not act that way over afew dollars someone else got as an incentive to become a customer.

BTW: CC companies are tightening up on reissuing user canceled cards. You may have areally hard time getting a Disney Visa agian since you cancelled one.

I'm not entitled. I really felt it was OK to cancel and then wait and see what other offers come in the mail. If none, than so be it...I don't need the card. If I get a deal, great, if not...it's no big deal. I don't think they OWE me, I am just hoping for a deal and wanted to see if others felt like it was worth it to cancel and see what happens. If I don't get one in the mail....I won't get the card.....so ENTITLED...I don't think so..and I don't really care if I EVER get a Disney visa again...but thanks for sharing YOUR opinion WITHOUT judging others.

 

[bumbershoot]

All I can say is WOW. Entitlment run rampant. I cannot fathom calling someone and threatening to cancel if I don't get x, or y that someone else got, when I am NOT entitled to that deal. That is like my six year old throwing afit because soemone else got to be line leader or got a sticker and she didn't. I just could not act that way over afew dollars someone else got as an incentive to become a customer.

I think you are really reaching there. I mean, I hate this whole "entitlement" word that dis'ers throw around, I hate that every single time someone has an issue with anything people want to label them with that word...hate it hate it hate it.

Businesses can do what they want. There is *no reason*, other than "because I wanna" for them to not offer a nice bonus to all of their customers. It's ridiculous for ANY company to play these games now, since communication is instant. If they want to say "join within x and y dates", that's one thing. But for one group of people to get one offer and another to get another is just silly, especially since there are no parameters. If they want to say "those with a score of 700 get x offer and those with 750 get y", then that is a simple parameter.

Like one kid gets a sticker b/c they were there for 5 days of class, and another kid was out sick and doesn't get the sticker b/c they weren't, that's a parameter that has been set (of course, I think that the kids that have parents that keep kids HOME when sick deserve stickers and kudos and fanfair, but that's not really how teachers seem to think, same with bosses).

But when the company's response is "because I said so", then that deserves to be challenged. Just like when I've drawn some idiotic line in the sand with DS, and he questions it, I will bite down my auto-response of "because I said so" and think about it, and usually we will both come to a more logical, SANE, explainable, non-stupid solution to it.

And since Chase has indeed been offering extra bonuses to existing customers, obviously they do the same as I do. The various reps have the ability to think about it and make a decision on whether they need to stand firm or offer it up.



This is the exact same thing we have to do every 6 months for reasonable comcast services. We could be paying twice or more than that for our service. But we don't, because every 6 months when the rate is about to go up, hubby calls, reminds them that we have lots of choices, and would they like to continue to get our $60 or lose it entirely by raising it to 120 or even higher. They have chosen now, for nearly 10 years, to keep us.

It's a game that companies have created. It's foolish to be philosophical when it comes to stuff like that...and trust me, I'm VERY philosophical and have many things I just won't do because of my philosophy...but this sort of game that companies play isn't on that list.

 

[dmoore718]

Thank you, thank you, thank you!!!!

 

[mommy2allyandaveri]

I'm a day 1 member and never got a pin. Oh well.

Same here. I would love to have gotten something for signing up but I'm still happy enough with the benefits I am getting by using and having their card.

 

[Poohbear5]

When I opened my first Disney Visa 2 years ago, I got a $15 gift card. I was pretty excited about it at the time!

Then this year, we got the $200 offer address to "Smith Family". My husband was skeptical that they would give him a card since I arlready had one, but we did get it. Then they sent another $200 offer a few weeks later, on the advice of these boards, I tried applying and got accepted! So we now have 3 cards.

I'm going to use the points toward a park ticket and then close out the second in my name. But I have to wonder if we got the $200 offers because we already had a card opened in good standing??

Don't think I would have been so quick to cancel..

 

[Leajess99]

I prefer to teach her to do the RIGHT thing, and pitching a fit to get your way, or pushing to get soemthing youdon't deserve even if you "ASK NICELY" is not it. Better to teach her that she is NOT the center of the earth, she is NOT entitled to ANYTHING she didn't earn, and that she should work hard to earn the things she wants. Throwing a fit might work once, but eventually it gets you labled a "problem", and even when you ask nicely for something you ARE entitled to you are not likely to get it.
If you want to see hte results, try teaching YOUR kids to trow a fit to get want they want.

If you don't learn to ask than you miss out on a lot of things. If my friend had not asked for the coupons from the people at the Wienermobile today than she would not have gotten any. Just for asking they gave her a second set that she is giving to me today. I was offered something different than my sister and I simply asked about it. I did not expect anything but it never hurts to ask.

Just for the info, my kids ask for stuff and they know they are not the center of the earth. Teaching a child to ask nicely does not make them feel as though they are the center of anything.

 

[tlbwriter]

In theory, and when it doesn't involve long term financial implications, I agree. But in this case was it worth two hits to a credit score to take her toys and go home? If you want a credit card and are satisfied with the terms when you sign up, then great. But to apply then cancel just because someone else got a better offer doesn't seem quite right to me.

A 10% coupon at the Gap? Sure. Messing up your credit score for nothing? No way.

Like I said in an earlier post, I'd be concerned about the effect on her credit rating. Not the fact that she asked for something and chose not to do business with the people who decided not to give it to her.

 

[rosiep]

I prefer to teach her to do the RIGHT thing, and pitching a fit to get your way, or pushing to get soemthing youdon't deserve even if you "ASK NICELY" is not it. Better to teach her that she is NOT the center of the earth, she is NOT entitled to ANYTHING she didn't earn, and that she should work hard to earn the things she wants. Throwing a fit might work once, but eventually it gets you labled a "problem", and even when you ask nicely for something you ARE entitled to you are not likely to get it.
If you want to see hte results, try teaching YOUR kids to trow a fit to get want they want.

With all due respect, the OP is not a child. When dealing with business matters it is sometimes necessary to ASSERT yourself. This is not the same as acting as if you are entitled to something. There are times when it can be in your best interest to ask about specials and deals. I know that many times a company will offer a lower price, honor an expired coupon, offer discounted shipping etc....all because you asked. It's known as being business suavvy.

Whether the hit to her credit score made this particular exchange a wise choice is is something to consider...however her I believe her inquiry was justifiable.

 

[pfeifferdcat]

If you don't learn to ask than you miss out on a lot of things.

I was going to say the same thing. Years ago my DH was a branch manager at a bank. He would have people coming in daily to ask for stuff. Some riduculous, others not so. He said that he finally learned if you ask, what's the worse they can say? No, so why not at least ask?
I call every once in a while about a credit card with another company & ask if I am getting the lowest financing rate. If they say yes, fine, if they say no & offer to lower it, then OK. Do you think they will just lower it for me, because I am a good customer? Don't think so.
I also call about my satellite radio subscription every year. I don't really need it, but if they'd like to offer me a better deal, then I'll take it, but I don't want to pay full price.

 

[clori]

I didn't join on day 1 so no pin. However I joined early enough that I have the added saying of charter cardmember on my card. After switching over to the Tinkerbell card I also have the added benefit of hearing all the comments that we (more so dh) gets for having Tinkerbell on our card. I don't collect pins so that works for me.

 

[pearlieq]

All I can say is WOW. Entitlment run rampant. I cannot fathom calling someone and threatening to cancel if I don't get x, or y that someone else got, when I am NOT entitled to that deal.

It's business, not preschool.

You're entitled to a deal if they're willing to give it to you. I think anyone is well within their rights to try to get as much as they can as a customer and to take their business elsewhere if they're offered a better deal.

Capitalism is a beautiful thing.

 

[princessmom29]

If you don't learn to ask than you miss out on a lot of things. If my friend had not asked for the coupons from the people at the Wienermobile today than she would not have gotten any. Just for asking they gave her a second set that she is giving to me today. I was offered something different than my sister and I simply asked about it. I did not expect anything but it never hurts to ask.

Just for the info, my kids ask for stuff and they know they are not the center of the earth. Teaching a child to ask nicely does not make them feel as though they are the center of anything.

there is a difference between asking for something and being ok with not getting it, and demanding it. It is like a child saying "If you dont give me that I am taking my toys snd going home" the equivilent of cancelling a service if the company doesn't give you x or y deal. To the poster who said that the OP is not a child: I made the analogy because I feel that theatening to cancel a service just to get some kind of deal IS childish behavior. Either you are happy with the service and you want to keep it, or you are unhappy and wish to cancel. Don't use it as a threat to get a discount. I don't like the attitude or what it teaches.

 

[princessmom29]

It's business, not preschool.

You're entitled to a deal if they're willing to give it to you. I think anyone is well within their rights to try to get as much as they can as a customer and to take their business elsewhere if they're offered a better deal.

Capitalism is a beautiful thing.

Taking your business elsewher if you are not happy is well and good. I just don't like the use of threats and intimidation to get discounts. I won't do that, and I don't like what doing it would teach my kids.

 

[ICF]

Taking your business elsewher if you are not happy is well and good. I just don't like the use of threats and intimidation to get discounts. I won't do that, and I don't like what doing it would teach my kids.

do you really think that a credit card company was INTIMIDATED by an email that someone sent them?

Again....I asked nicely. I (and Im guessing many others) didnt threaten to leave, we simply asked nicely if since we were good customers if it would be possible to get a deal different then what we got (if we got any at all) when we originally signed up.

If you don't like it, thats your right. It however doesnt mean that any of us that did it are terrible people or are teaching our kids something evil to do.

 

[princessmom29]

do you really think that a credit card company was INTIMIDATED by an email that someone sent them?

Again....I asked nicely. I (and Im guessing many others) didnt threaten to leave, we simply asked nicely if since we were good customers if it would be possible to get a deal different then what we got (if we got any at all) when we originally signed up.

If you don't like it, thats your right. It however doesnt mean that any of us that did it are terrible people or are teaching our kids something evil to do.

to me that is totally different from saying that you are going to cancel if you don't get the deal. That is a treat to take your business elswhere, and no I don't think it worked, but it is an attempt at intimidation. I never said anyone is a terrible person or used the word evil. I don't know where you got that??? I all I siad is that I PERSONALLY don't like it or the message it sends.

 

[Free4Life11]

Give me a break, these credit card companies can KISS it! They have treated their customers, including good paying customers who were never late or over the limit, like trash these past few years...jacking up interest rates, slashing credit limits, and closing accounts! THEY have the biggest sense of entitlement.

So if their 30 page agreement does not state "customers may not call and ask for extra rewards or benefits" then customers have EVERY right to call and ask!

And you want to talk about intimidation??? How about those MILLIONS of letters telling customers you can either close your account or accept a much higher interest rate?

 

[Leajess99]

there is a difference between asking for something and being ok with not getting it, and demanding it. It is like a child saying "If you dont give me that I am taking my toys snd going home" the equivilent of cancelling a service if the company doesn't give you x or y deal. To the poster who said that the OP is not a child: I made the analogy because I feel that theatening to cancel a service just to get some kind of deal IS childish behavior. Either you are happy with the service and you want to keep it, or you are unhappy and wish to cancel. Don't use it as a threat to get a discount. I don't like the attitude or what it teaches.

I can understand where you are coming from.

 

[LovinPooh]

Oh Chase and their Disney Visa... had mine for a few years, booked my trip, got my points and used the rewards and my card was chosen not to be reissued. Had that sucker almost paid off too... oh well. Guess I will stick to Capital One in my wallet LOL!

 

[PrincessDadx2]

to me that is totally different from saying that you are going to cancel if you don't get the deal. That is a treat to take your business elswhere, and no I don't think it worked, but it is an attempt at intimidation. I never said anyone is a terrible person or used the word evil. I don't know where you got that??? I all I siad is that I PERSONALLY don't like it or the message it sends.

Do you hate the Ally Bank commercials too? You know the one where only the new kid gets ice cream? Or one kid gets a toy pony and one gets a real pony? Even kids understand what fair is

If a business treats you like a less valuable customer and you take it, then you are. No need to be nasty. I require to be treated as a valuable customer or I move on. That is why I am very loyal to a very few companies that have excellent service. Disney being one of them. They have always done more for me than what I would have asked for whenever I have had a problem.

 

[rosiep]

Give me a break, these credit card companies can KISS it! They have treated their customers, including good paying customers who were never late or over the limit, like trash these past few years...jacking up interest rates, slashing credit limits, and closing accounts! THEY have the biggest sense of entitlement.

So if their 30 page agreement does not state "customers may not call and ask for extra rewards or benefits" then customers have EVERY right to call and ask!

And you want to talk about intimidation??? How about those MILLIONS of letters telling customers you can either close your account or accept a much higher interest rate?

Excellent point!!