What does "Minimum Payment" mean???

So I got my bill for my Mandiri credit card, I spent 9 mil last month, I was about ready to pay for it until my eyes saw something that shouldn't have been there. 

Interest : Rp. 177k ???? How did THAT happen?

So I called the customer care, and he explained that those are financial charges because I didn't make any payment last month. But yeah, the bill from last month says that I owed them Rp 23,441, and THEREFORE the Minimum Payment was RP 0 (ZERO!) 

And because I didn't make my payment last month, the interest goes on the next month, and so I got charged for my 9mil spending last month. The hell??? 

Let me get this straight. Minimum payment says ZERO. And I still have to make a payment?? THEN WHY THE HELL YOU PUT ZERO OVER THERE?????????

Why don't just save us ALL this trouble and print Rp. 23,441 as the minimum payment?? Because in fact, THAT is the actual minimum payment!!!! 

I was freaking furious, and I told the customer care guy to request adjustment for next month, because I do not want to pay for those charges. And he's like, well there's nothing we can do about it, we have informed all customers that they have to make a payment no matter how small the amount is. WHEN WHEN WHEN?

And so I started reading the back of the bill, you know, those small-printed terms and conditions? Okay, it did KINDA say something like that, that customers get charged for whatever they don't pay. But come on... WHO ACTUALLY READS THOSE SMALL PRINTED STUFFS ON THE BACK?????

So I'm pissed because I think that's so SLY of them to do that. If you want customers to make a payment no matter how small the amount is, THEN state THAT! Do not put ZERO, and expect us to start reading the back of the paper!? I know a lot of banks that actually put the numbers down there instead of a FREAKING ZERO! *urgh!*

They don't show any remorse

Those FF people really knew how to push my buttons..



Instead of apologizing for any misunderstanding, and/or promising to serve better in the future, the supervisor only said this in the end: "if you change your mind about the cancellation please let me know.."

Sent from my BlackBerry®

Fitness First Membership Cancelation

Today is the day I'm finally closing my Fitness First Membership.

Many people asked why, because they thought fitness first is actually a good gym.

Well many reasons:

1. I don't think it's worth it to drive back and forth through the traffic jam from Pluit to TA JUST to work out.

2. I don't have the time anymore..

3. Even if I can move my membership to the opening-soon FF in PV, the customer service in TA annoyed me by giving me false information that if I move to PV I would have to pay more expensive monthly rate, even though I'm still under the 1 year contract.

The supervisor called me to clear it up, of course because she wanted to prevent me from closing down my membership, but I don't feel like it anymore. The whole team, the crews.. they just suck. They don't help, they lie, and they think they're beautiful (ok the last one i just made up)

So I told this supervisor that I'm closing down membership because I am sick and tired of how they handle things there.

There you go.. so no more gym-ing.. not that I even used the membership, I was practically robbed. So I have to pay 500k worth of cancellation fee, but who cares! I should have done that 5 months ago when I put my membership to a break, and I had to pay 20% of monthly rate for those damn 5 months! If only I knew!

On another side, now I have to think of another work-out scheme to try out...