When is the right time to upsell?
April 20, 2007
I’ve had two “great” (you’ll understand the use of quotation marks later) this week.
The first was whilst my dentist was finishing up a lengthy treatment - in fact he still had his fingers in my mouth - he asked when they should schedule the rest of my treatment. I suggested we schedule it in January next year when the insurance will pay most of the treatment, instead of me having to pay it out of my own pocket. That didn’t stop him and went on to tell me all about the financing options they can offer me - I told him politely that its not about the money, but about the principle of not spending money that I don’t have to spend. He tried again, in vein to convince me that I really should have this treatment in the next few weeks. Until I told him that I would see him next January, unless something in my mouth changed beforehand. My dentist wasn’t really paying attention to me and what I said, I can give him the benefit of the doubt whilst he was finishing my treatment.
Someone else that wasn’t paying attention was the agent at the HSBC Credit Card call centre that I talked to yesterday. I called with a simple request - please can you tell me how I can reduce my interest rate. I’ve been a customer since 1999 when I first moved the US and I’m still paying the same rate of interest for someone that doesn’t have any registered credit scores - a penalty that I wasn’t paying attention to until I realised there were much better offers to be had. I was told there was no way to reduce the interest rate, so I asked another way, do you have a credit card facility with a better interest rate? No. So everyone that banks with HSBC is on the same rate? I cannot comment on that. So customers have different rates? I cannot comment on that.
Next came the classic scripted end of call wrap-up - “Have I answered all of your questions today?” - well technically, yes, although I’m not very happy with the answers you gave me. “I would like to offer you a really great deal on identity theft protection” - followed by a couple of minutes of script with me trying to interrupt. Eventually I managed to shut the agent up when I asked why would I want another product from the same company that hasn’t given me a satisfactory answer to my question earlier? This lead the agent down a decision path in the script and they tried to give me the reasons why - they still hadn’t heard/understood what I was asking. In the end I had to talk loudly over the agent and inform them that I wouldn’t be buying any new services from them and I may close my account. My frustration was only doubled during the call - I can take the negative answer to my original question, I understand they don’t have to reduce the interest rate. But to follow this up with a sales pitch was at best, misjudged.
There is both broken business process and a mis-guided use of technology at work here. If the agent had been aware of my level of frustration and had been trained with when to position new products then I’m sure that they wouldn’t have tried to sell me identity theft protection and whilst I would’ve been frustrated that I didn’t get the answer I wanted, at least I wouldn’t have been blogging about it and telling all of my friends for the next week. There is a right time to upsell and its after answering the customers questions and delighting them - answering their questions isn’t enough - if they aren’t delighted then no amount of up-selling is going to be successful.
Technorati Tags: Customer Service, Genesys, HSBC, Credit Card

