the customer is always right!
The key is to make them think that way.
It amazes me the overall stupidity of the general public. Most usually have ty credit.
Even more haven't got the slightest idea how to purchase anything. They're clueless as to how banks determine down payments, length of terms and approvals. They simply don't know how it works.
They should be teaching this type of finance and credit information in schools.
I'd be surprised if half these people could even pass a driving test.
Most customers not in your field of business are not experts in your field. If that were the case there would be no need for customer service at all. That is why you, as a customer, should ask questions.
Whenever a bank wants to come on campus to get the students to open checking/savings account. The only requirement I have them do is 3/30min workshops on Credit Cards, Loans, and an overall on how to manage their accounts.
Questions are fine. Doesn't mean most people aren't stupid. I agree that I'm here to educate. Sometimes its just too ing much.
Had a customer come in yesterday that pointed to a CD player and asked me if it was a microwave. No joke. I swear on my child's life I'm not making that up. He was dead serious with his question. I had to show him where it opened and where you put the disk in. He thought it was for a small plate.
How has that worked out?
So far so good, we have alot of first time in college students who take advantage of this because they understand how fast you can go into debt that will affect you for the rest of your lives. Especially when it comes to student loans.
I wish there was a way the bank could tell me, how many students retain their checking/savings accounts, but alas that is a privacy act.
Being stupid about certain things does not necessarily make one stupid. I don't consider myself stupid but there are things I'm stupid about.
If you can't tell the difference between a CD player and microwave you're stupid.
If you don't understand how interest charges work. You're stupid.
If you don't understand how paying something off early negates a higher rate you're stupid.
I could go and on.
Not trying to be an a-hole but are there any things you consider yourself stupid about?
Just because you think that makes people stupid doesn't make it reality.
Although the CD/Microwave thing....
Fractal Curves.
Are you seriously defending a guy who thought a CD player was a microwave.
I'm pretty ing tolerant. You have to be with a job like this and for the most part I actually try my best to not just help people but educate them for the next asshole who tries to take advantage of them but there are a lot of people who don't know the simplest of .
2 examples of stupid. Both from this afternoon.
My last customer can't understand why no one will approve him for a trailer over something as silly as 24,548 dollars in backed child support.
Earlier today (not my customer) this lady was crying in our lobby because she can't get approved for a loan. Why? She has 9,000 and some change in outstanding credit card collections.
No I'm not defending that guy at all but you seem to think more often than not people are stupid simply because they don't understand everything you do. That's all.
I think your assessment of me is off a bit. I don't mind people who don't know what I do. Its my job to help educate. I think the people that have trouble with basic every day knowledge are stupid. I also think that the majority of people out there are grossly under educated in fundamental aspects of life that have a profound impact on the personal lives and those that depend on them.
I get that, but you don't seem to want to acknowledge that you could be stupid about certain things that would make you look stupid. That was the point I was trying to make. By your standards I'm stupid...but I can live with that.
You said it better than I did.Just because you think that makes people stupid doesn't make it reality.
Although the CD/Microwave thing....
My standards? I expect the average functioning human to be versed in the fundamentals of everyday activities. Is that too much?
I'm not obligated to offer both sides of the coin. I was making a point and making a point shouldn't have to include my level of knowledge.
There are lots of things I don't know about. However I'm pretty ing sure where to put the plate to heat up a dish of spaghetti.
What is "personal everyday knowledge" though? It is different to different people. I know what an interest rate is but I couldn't calculate one to save my life. Doesn't make me stupid, just makes me not as well versed in mathematics as others. There are things about your job that I couldn't pretend I knew about, doesn't make me less smart than you. I guarantee you there are things about my job you would have no clue about...doesn't make you less smart than I am. To me this is an example of another problem we have in America...we have a tendency to try and impose our opinions and beliefs on to others and we do not have that right. I admit, I have been as guilty as anyone of job frustration. I have been doing this 16 years and things that are simple as rolling out of bed to me, are not so to my customers and it can be frustrating. I want to look them in the eye and say "are you freaking stupid?" but I can't. Its frustrating to have to repeat the same thing over and over again but sometimes, its neccessary.
Both sides of a business arrangement should be professional. What that guy did was wrong. He has the right to change his mind about doing business with you but courtesy dictates that he call you and say so. Having his buddy call you was wrong. Calling him out for it, IMO was too. Just because someone is unprofessional to me or you doesn't give us the right to be the same. We should be the bigger person.
Just my .02 though. I totally understand your frustration however and as I said earlier...if you told him the deposit was non-refundable and he kept trying to get it back, that is a move and it sounded like you handled that part pretty well.
Its a reality in my world. Sure seems real when a guys gets screwed over for 2-3k by not understanding how it works. Sure seems real when someone gets themselves into a problem that ends up equating to a foreclosure or loss of job.Just because you think that makes people stupid doesn't make it reality.
Although the CD/Microwave thing....
Not all microwaves are the same. I'm sure I could hand you a gadget and you wouldn't know what it does or what it is for...it could very well be a microwave. I mean, I remember when I knew people who couldn't program their damn VCR but it didn't make them stupid.
I guess I just see things differently than you is all and don't simple things so seriously.
When stuff like that happens to me I just have Mother call to cancel the deal…
You don't need to be good at math there are thousands of finance calculators online that are free of charge. I'll say it again you don't have to be good at my job or know things about my job or vice versa. I'm not expecting everyone to be a jack of all trades or a mathematical wizard. I expect people to have at the very least a middle school equivalent education and enough common sense to function properly in society without ing themselves and their families over. I know that's too much to ask because people get ed daily and thats why I have no problem labeling them stupid.
I have very low expectations for people. We all do. Even those aren't met.
I'm just piling on because it makes me feel better. Sure I could have handled myself better and if I owned this place I would.
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