Wednesday, December 03, 2014

Christmas Season Credit Card Bullies

By Douglas V. Gibbs

"Bullies" is the new term being used to attack society.  It has turned out to be a more effective term than "bigot," "racist," "homophobe," or "Islamophobe."  If you call someone a "bully," immediately an image of a mean, unfair, violent, nasty, overpowering radical rightwing extremist comes to mind. . .right?

As Christmas approaches, and we spend more time in the stores buying what we should have bought before the lines became holiday ridiculous, the stores know we are looking for deals.  So, like hawks diving in to grab a poor, unsuspecting mouse, they throw their sales pitch at us, and we cave in to save 10% on our purchase on a card with a 25% interest rate.

In stores like Macy's, the employees are encouraged to sell credit card accounts, and falling below a goal given to them, not getting enough people to open new credit card accounts could result in negative job performance reviews.

In a recent poll, respondents stated that 31% of Americans feel bullied by store employees during the sales confrontation.  49% regret the decision to open a card, later.  More than half of those folks said that they wouldn't be returning to the store where they felt bullied by employees.  73% of survey respondents said that they felt sorry for the store employees forced into pressuring customers about opening a store credit card.

An important part of living in a society where we are free, self-reliant individuals, we have to be grown up enough to understand that these things are going to happen.  Sellers sell, and their sales techniques are going to be designed to convince you to buy.  If you don't want to buy, say "no."  Be an adult, and take responsibility for your own actions.  To sit here and call sellers "bullies" because they succeeded in selling is ludicrous.  Using the word "bully" for success is a direct attack on being successful.

This is the same tactic the liberal left progressive socialist Democrats used against the banks during the housing crisis that led to the 2008 economic downturn - when it was liberal policies, and government regulations put in place largely by Democrats that led the banks to offer sub-prime loans, and practice what the Democrats have called "predatory lending."

There is no such thing as "predatory lending," and "bullies" selling credit card accounts. As free individuals, we are capable of reading the fine print, we should be capable of making reasonable decisions, and we should be mature enough to say "no" when we don't want to do something.

Using the word "bully" to describe the sales tactics regarding store credit cards is an attempt to attack the free market, to handicap capitalism, and to herd an ill-informed public into a position to cry out, "The government's got to do something about this!"

"Bully" is being used in a number of places in our society to reshape our culture, to destroy individualism, and to fundamentally transform our system into something it was never designed to be.  Grow up, and say "no" if you don't want the credit card.  Or, open the account, get your discount, and then be responsible enough to pay off the balances quickly, use the card the minimum required, and then close it when its benefit has worn out.

Personal responsibility.  Wow!  What a concept!

-- Political Pistachio Conservative News and Commentary

Shoppers Claim Stores "Bully" Them Into Opening Credit Cards, Survey Says - Racked

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