On mobile, formatting, blah blah
So, it’s been years since I had the pleasure of working in a call center, but reading these posts brought back a few memories. I worked in a call center for a major credit union that primarily services two branches of the US military. At the time I worked in the loan department.
As a bit more background information, for those of you who don’t know this, for military personnel it’s very easy to determine their pay. It’s all based on rank and years of service.
ME: your truly SG: sailor girl
ME: Thank you for calling Major CU. This is cspotphantom. How may I help you today?
SG: I would like to apply for a car loan.
We confirm some basic information so that I know SG is who she says she is. Based on her voice and demeanor I picture a short, petite and very innocent girl.
ME: Have you already picked out a vehicle or are you still looking?
SG: I want a Beetle!
ME: That sounds great! Have you found the specific one you want to buy or are you still looking?
SG: I want a green one!
ME: That’s a very nice for choice. I’m going to assume you’re not at a dealership right now. Is that correct?
SG: Yes sir.
ME: It sounds like the best thing for you is a pre-approved loan. This will allow you to look for your Beetle while knowing what your spending limit is. How much would you like to borrow?
SG: Well, I’m not sure. The new ones are around $17,000. How much can I borrow?
ME: Ma’am, are you still an E2 with less than two years of service?
SG: Yes. I just finished basic training.
ME: I’m going to do you a favor and suggest you don’t submit the application for the loan. Based on your income (before taxes it was roughly $1200 a month) I can tell you that there is no way that you will be approved.
There was a long pause followed by some sniffles. I really hated this part of my job.
SG: I really want this Beetle. Is there anything that I can do.
ME: If you have a cosigner that qualifies it would greatly increase your chances of being approved. Do you think you could get a cosigner?
Another long pause followed by increase sniffling. At this point I’m certain the tears have started as well.
SG: My recruiter said if I joined the Navy I could get a new beetle. Do you think he would cosign for ME?
ME: No ma’am, I don’t. I’m really very sorry.
I think I actually heard the levy break as she had just begun to realize what she had done with her life and why. I’m not sure I’ve ever heard anyone cry like that before or after.
SG: Thank you sir (barely audible through the torturous crying)
I can’t believe what some recruiters will say to get someone to sign up. Poor girl was staring down the barrel of a six year enlistment for a car she’ll never get. That was probably the first of many hard life lessons she has learned.