I just had a very bad experience with GM Mastercard. After almost 2 decades of being a customer which never had a late payment and always paid if full each cycle, I maxed out the $500 per year rebate on my original GM Card. I plan an $8000 purchase in about 2 months so I applied for and received a second GM Card so I could earn about $400 rebate on this purchase, but they only gave me a $3500 credit limit. I requested an increase but was denied due to "insufficient account history". I called and expalined that while this card was brand new, I have another card with a $10,000 limit that I have never even been late on etc. The person I talked to was rude, kept asking the same questions over and over and when I asked for his supervisor he insulted me and cut me off.
I called back, waited my turn again, and asked for the customer service manager. When she came on the line she would only identify herself by her first name and was of no help with the insulting and hanging up issue and told me that the fact that I had been a customer with them for all those years had no bearing on this second card because it was a new card. I further expalined the situation and even told her she could reduce the limit on my other card if it would help and she said it would not help, and that my history with the other account with them had no bearing on this second account. I felt like I was talking with people who were not worth my time and certainly not worth what ever they were being paid, even though I am pretty sure the manager at least was an American.
I guess I will use my Citicard for the purchase. 1% of $8000 is $80 and maybe that is better than a $400 rebate towards another crappy GM vehicle. The 5% rebate had been a good marketing tool for GM keeping people like me buying GM, but maybe after I use the rebate I have on my original card I will start looking at other makes of cars and trucks. Maybe a Ford F150 will take the place of my GMC when I decide to repalce it. I do like my Citicard and have always been treated very well by their customer service.
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