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Bills, Bills, Bills July 10, 2006

Posted by Teller in Counter Open.

Each month there is a list of people that gets rotated around the branch. We call it the Red List. It’s the bane of our existence. Whoever is unfortunate enough to fall victim to the list that month has to sift through the names dregging up every available phone number we have for that customer. Then come the three steps.

What are the three steps? The first step is getting a working number. The second is getting ahold of the customer. The third and most important step is having the customer step into the branch and pay off their outstanding debt.

It sounds easy, doesn’t it? I can do that, you’re probably thinking. What is she moaning on about? If the world was a better place, that list would be the easiest part of my job.

It’s times like these when I feel like I work for a collection agency. It’s hard enough getting ahold of customers when you have a simple question to ask them. Reaching them when they’re on the list is nearly impossible. Some of them give us fake numbers when they initially sign up for a credit card. Others have numbers that are disconnected from service or mobiles that are constantly switched off. Often when you finally hear a human voice you’re told that the customer is out of the country.

It never fails to amaze me at the amounts people run up on their credit cards. Some people are constrained by the limit they have on their cards. Others run wild and free with theirs. How can it be acceptable for a 17 year old girl to run up a 15,000KD bill each month on the credit card Daddy’s issued her? I see the purchases from my system and I shake my head at the names of the stores she’s spending at. What does she find there each month to spend that amount of money?

How responsible is it of the parents to allow a 17 year old that much financial freedom? With expenditures of that magnitude, do you believe she has learned the value of a dinar? Is it my place to judge? From where I’m sitting, behind the counter, it is. You’re the one on the Red List. I’m the one trying to get ahold of you.



1. Harsha - July 11, 2006

Dont you have collection departments dedicated to do this?

In Dubai most banks have an entire floor of their bank building dedicated to collections department!

Teller replies: We do but first we try to resolve the issue at the branch level. If we cannot get payments in a month we forward the case to the collections department for them to pursue. It’s an annoyance we could be spared if people would pay off their credit cards on time. 

2. Vixen - July 11, 2006

Oh boy….that sounds like such a hassle.

3. brad - January 11, 2007

Absolutely not. I joined and served because I volunteered, as did everyone else I served with. Once you make it compulsory, you get people

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