How to stop pushy staff?

chambta

meer53 wrote: »

Change banks.


http://www.telegraph.co.uk/finance/personalfinance/consumertips/banking/9882592/HSBC-is-latest-bank-to-axe-staff-sales-targets.html

I think the way things will evolve is that staff will still be targeted the same way just without the 'reward' such as it was. The banks will protest their hands are clean yet they win both ways.

opinions4u

meer53 wrote: »

Change banks.


http://www.telegraph.co.uk/finance/personalfinance/consumertips/banking/9882592/HSBC-is-latest-bank-to-axe-staff-sales-targets.html

To HSBC? But they have crap products!

I'd rather be flogged something beneficial to me than voluntarily buy something that offers poor value.

ColdIron

Ask them if it would be OK to consult your friend....Jesus

[Deleted User]

lippy1923 wrote: »

2)- Make a joke of it and say "no thanks before they even ask"

...if you want to sound like a bit of a tool.

When I worked in a major supermarket a while back, I was scanning through someone's groceries, and they were buying a large amount of toilet roll.

I said to them "I don't know if you'd be interested, but..." and got interrupted by "before you ask, I don't want whatever your peddling".

I was going to finish the sentence with "...if you buy the 4-packs instead of the 9-packs, you'll save a load because they're half price".

The next time I saw them, I was working on the bakery counter, and they wanted some iced doughnuts. You know the stories about upsetting the people who make your food? Yeah, that.

The_pc_tech

It's fair to say you are not a person that holds a grudge then eh?

Jules2012

As soon as they start I just say "already got it thanks"

The_pc_tech

I'm always polite to anyone I meet in person or if a product is offered during my normal conversation with the bank or credit card company and I just say not today but I'll bear it in mind thank you.

I'll admit to being less polite with persistent cold callers (my number is ex directory anyway)

Here is a ridiculous example of one pushy sales technique i did encounter.

I stopped to ask about an on demand TV product being offered by that well known telecoms firm we are all familiar with in UK at a stand they were operating in the local shopping area.

I simply asked what the minimum speed was to get and was told two megabytes, I was at the time only getting 1.5 so said thank you I wouldn't be able to get it and started to walk away.

The rep started to chase me down the covered street type area well away from their stand and started yelling 'I'm sure we could get something done about the speed if you were to sign up'

I turned back and said 'I've already had three of your engineers out so I think it's unlikely, I asked purely out of interest, thank you for your help'

nwc389

You can always ask the staff to amend your details to no marketing at the counter - that should stop them asking when you make your transactions.
I find it handy to keep more than one card for various reasons not least that as there have been a few system failures from various banks by having different cards I have access to some cash & ability to pay for goods !

J-Greens

So, my debit card is perfectly safe to use as I am using it.
But the staff shouldn't be repeatedly pushing the credit card.

As it happens, I'll be switching my ISA tomorrow and looking at current accounts to switch so that I'll be less in branch...

212

J-Greens wrote: »

So, my debit card is perfectly safe to use as I am using it.
But the staff shouldn't be repeatedly pushing the credit card.

As it happens, I'll be switching my ISA tomorrow and looking at current accounts to switch so that I'll be less in branch...

Depending on your age & circumstances it may be beneficial for you to have a credit card in terms of your credit history. That could be priceless when it comes to say a mortgage. You may also get other benefits (S75 protection, possible cashback/reward points etc).

Obviously if you're 77 building your credit history is very unlikely to be of any use (although CB/reward points would be). If you have a load of other cards (which it sounds like you don't) it's also unlikely to be useful. However say you're younger with just a debit card (and possible phone contract), that really isn't good enough in showing your ability to handle credit.

Far too many people come in and say 'my credit's perfect.......... I've never had any'! Or get to 30 before they realise they need to improve their credit history to get a mortgage - so in some ways the branch staff could be helping you making you aware a CC is available - I can see how it can be frustrating if you're constantly asked though. Loads of my friends from uni had the 'credit cards are awful' line in their head, and even when I explained they aren't, they wouldn't get them. One got declined for a bank account, and another for a phone contract - now they're finally getting credit building cards because they realise how important it is!

If you've got it set in stone that you won't have a CC despite the benefits, then by all means get a marker put on your accounts. If you feel that strongly about approaches, let head office know. Don't mention any names and say the staff were friendly etc, but that you really don't like it - then if it's a company wide policy and enough people write in they may review it, a lot already are!