Re:Voice Phishing Scams Are Getting More Clever
by astura on Wednesday October 03, 2018 @12:47PM
(#18132114)
They tried to tell you that, you just didn't want to hear the message for some reason
"We're asking because we want to do you a favor/we understand things are hard sometimes"
There's more than "a program," creditors have different options/programs, etc. Special options exist for people who were effected by certain natural disasters. They probably would have offered to waive the late fee if you missed a payment because you were in the hospital or something. They were starting a dialog with you about your account status in order to work with you; no need to get all offended about it.
I'm far more likely to respond positively, even if ultimately I decline if they were to say "We have a program in place-if you think you're going to miss a payment that will help keep your account on track, would you like to enroll?"
versus
"Why were you late making this payment?"
Of the two, when I went through that period of long-term underemployment, I only ever heard the latter, never the former. Such a curt and abrupt question to ask that comes across much more invasive than helpful.