Credit vs. Pocket Money -- The real racism

I've been reading blogs on this site for some time now without submitting one for myself, mainly because my employment status has been temporarily suspended for school. Now I'm back for the summer, but this time, for the first time, having to deal with new customers rather than that of my old position, which was old customers.

With this new position (filling in for someone having surgery), I will have manned every position available within the automobile finance company I work for. This summer, it's sales contracts.

I'm not here to rail on someone in particular, although I do have a shortlist of deserving people. I want to share with you my personal discovery on the realitivity of the customer's annoyingness, their own class status, and the value of the goods sold.

It's no secret that there are a lot of people that blog on here about how much they hate their customers. From that, it's not hard to extract the implication that there's a class difference between the writer and the customers he write about. We're all adults here (I presume) so let's not beat around the bush-- white people tend to hammer on black people, but especially when there's a financial gap there. Full disclosure: I'm a white guy, and I'm definitely not hurting for cash. And in all honesty, in all the blogs I've read and in my own thoughts as I go shopping, I never really questioned my fellow whiteys' complaints on the annoyingness of the poor blacks. It's just something you're used to, and anyone who can't admit that it's present in our society is either stupid or lying.

Before you start hammering me with your angry replies, let me finish. What I'm saying is, my eyes have been opened to something. It seems to me that most of the racism in commerce doesn't revolve around race, but really around the value of the items sold. First, we must distingush between two types of money: pocket money, and credit. (I know there are more than that, but this discussion centers around these two.)

Groceries, for example, or anything that can be purchased with pocket money, tend to be more of a casual purchase for affluent people because pocket money is nothing to come by. Contrarily, poor people have a more limited supply of pocket money and subconsiously don't want to let it go, therefore, are way more picky about groceries and small purchases. That is what translates into bitch-fits at stores about prices and shoddy goods. An affluent person like myself couldn't understand the fuss, because so what if I got jipped seventy-five cents? I didn't care.

Then you have credit, which is the kind of money I deal with now at work. We give credit to a wide variety of people, from the bottom of the social ladder to the top, and after only a few days, there is no question in my mind that I'd much rather see a family of dirt-poor deadbeats come inside than a rich white guy with his casual polo shirt tucked into his khaki shorts and his sunglasses with a strap.

Credit is the total reciprocal of pocket money. Affluent people, while not totally averse about going into debt, will hound, pick, quibble, fuss, and bitch incessantly about the item they're financing, while a poor person will take any old thing and sign whatever you put in front of his face. This old white man, the kind that trades for a new pickup every year, bothered me all morning Saturday about financing his next truck.

First he finally found one he liked, but didn't want the running boards. He wanted them off.

Second he kept telling me how another dealer had one just like it but it was cheaper. (Unlikely, becasue the price tags are from the factory.)

Third, he kept claiming the other dealer offered him more on his trade.

Fourth, he swore up and down that GMAC Finance offered him a lower rate that our information shows. (Again, very unlikely.)

Fifth, as the salesman tried to plese him with his desired monthly payment, they began to argue about-- I swear to Christ-- TWO dollars a month.

Eventually, we make the man happy, although the salesman bent so much we would practially be taking a loss on the deal. Then the customer asks me in private, "Hey, you know, I really like that truck except for the color. Can we get one in charcoal?"

That was the bulk of my morning. Later that day, I had three other deals, in which their total combined time from start to finish was about six minutes more than the time I spent with just that one prick from earlier. The other customers were low-income black people-- the same ones I used to see giving so much trouble to cashiers in grocery stores and restaurants. On each one, I thought, "Oh, man, what did I do to deserve this job?" But I was surpised, because each one of them went smoothly without a hitch. They test drove one, maybe two cars each, and came inside. I said, "You like that one?"

"Yeah."

"You'll pay $300 per month?"

"Sure."

I wrote out some quick figures, explained them, they agreed immediately, I drew up the contracts, they signed without protest, we shook hands, and that was it. In 'n out. Without question, I prefer dealing with poor people IN THIS kind of business.

That all being said, that doesn't disqualify the assertions made by those in the pocket-money sales world, becasue all the same truths hold there too. I don't know what the overall point I'm trying to make is, other than share my assertions. I just know that working where I am, I've come to despise people like myself. Color and race have nothing to do with it, because white people and black people have played both roles in this scenario I've laid out.

Theorize all you want to on why poor people don't care about spending credited money and affluent people blow pocket money. I know there are better sociologists out there than I that can make something out of it.


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Submitted by Mister X on Mon, 05/30/2005 - 14:11.

"Second he kept telling me how another dealer had one just like it but it was cheaper. (Unlikely, becasue the price tags are from the factory.)

Third, he kept claiming the other dealer offered him more on his trade.

Fourth, he swore up and down that GMAC Finance offered him a lower rate that our information shows. (Again, very unlikely.)"

That guy should have gotten WRITTEN OFFERS from the other dealerships and showed them to you. You can't do that verbally. He messed up. He needs to learn more about buying cars. Either that or he was just plain lying.

[Moderator]

Submitted by Timberwolf on Mon, 05/30/2005 - 14:17.

Oh, he knew he was full of shit. I get that kind of attitude from EVERY old white guy, and it's very, very hard to resist the temptation to ask the logical question:

"If the other dealer is so swell, why the hell are you HERE?"

Submitted by Candall on Mon, 05/30/2005 - 14:41.

This is some pretty insightful stuff here, Timberwolf... it actually makes me look at the customer in a different light.

Don't get me wrong... I still desire their heads on a pike, all of 'em, but it does lead to a better understanding of their actions.

The poorest of the poor, for what it's worth, NEVER give me shit either. For some reason, a lot of them seem to have the odd notion that they'll be "locked up" if they cause a scene. It's probably because pretty much anywhere else, they get locked up if they cause a scene. Hmm.

Also, some of the richest of the rich will squabble over as little as ten cents. You just never can tell when you're dealing with those crazy babboons we call "people."

Submitted by Timberwolf on Mon, 05/30/2005 - 14:45.

Yeah, there are never any hard and fast rules when categorizing people-- there are always the exceptions. But I think the picture here is that ANYbody can be a prick given the right retail setting. As for me, I am a complete asshole when buying strawberries. Woe to you, farmer, if your cores are white.

Submitted by Candall on Mon, 05/30/2005 - 15:07.

I'm more of an ass about clothing. If I buy something with a logo on it, it HAS to be something that I endorse. I've tried explaining this to multiple individuals, to no avail.

Anybody who wears a shirt which bears the logo of the store from which it was bought is free advertisement for that store. Abercrombie and Fitch should be paying people to wear their clothing. They should be making billions of dollars worth of donations to frat houses.

Conversely, people who know of my stance against such clothing will sometimes see me wearing a T-shirt with a logo, and they'll get the idea that they're calling me out. I have to explain that I'm wearing a Resident Evil shirt because I LIKE Resident Evil. I don't mind advertising Resident Evil.

Submitted by Timberwolf on Mon, 05/30/2005 - 15:20.

Right now I'm wearing an Old Navy shirt, but it's the only store logo shirt I have because I genuinely like Old Navy. They provide me with quality clothing at unbeatable prices. I wear the shirt because I want to subconsciously say to people, "Hey man. You might wanna check Old Navy. Save ya' a buck or two. Just lookin out for ya'."

Ambercrombie & Fitch, though, can blow me.

The only other logos I wear on shirts are from little restaurants and such that I openly endorse and don't have pussy names. Like, I would wear a shirt from Fatburger or In 'N Out burger, cause that rules. I wouldn't wear one from Hardee's though, even though I like Hardee's, because the name sucks.

But if you're a small, one-of-a-kind place, I'll probably wear your shirt, cause I respect the small businessman that tries to make it in an ocean of chain stores.

Submitted by HelloDolly718 on Tue, 05/31/2005 - 15:05.

I have gone to the extreme of ripping the labels off of sodas I am drinking. It may be conceited to think that somebody might get a soda just because I am drinking it, but I'm not willing to take the risk that I have just paid over $1.30 for some concoction to which I am sadly addicted, AND walk around advertising for free.

I really try very hard to avoid free advertising for any company. Even if I think a product is really good, I still think I should not be expected to endorse it unless something is in it for me. An exception would be if I own stock in the company. I only buy stock in a company that I believe is a good company with a good product. And in that case, if people do go nuts and buy lots more of it due to my recommendations, there IS something in it for me.

Submitted by Just Plain PISS... on Mon, 05/30/2005 - 15:28.

Yeah, I have the same thing with clothes with labels. I don't mind having a shirt with a city name or a band I really like, but like hell I'm advertising for some multi-millionaires for free. fuck that. As with regards to people rules, I agree that there are no "set in stone" "always the case" rules. I find that working in RV parts, 98% of the clientel are pure, unadultered fuckheads with nothing but steaming piles between their ears. They think that their "luxury toy" should be free and every God-damned part too. Yeah, meanwhile I make poverty line for wages and they are bitching to me when they've bought $100,000 rig and want some little fruity accessory that's like $10- and that costs too much!?! What cocksuckers.

Submitted by Candall on Mon, 05/30/2005 - 15:44.

No, I'd just fucking snap. I'd go off and thell them that if the company just gave me one of those ten-dollar toys every hour, it'd be a fucking raise, and that I'd rather stick a wad of sandpaper up my ass and walk around in circles for an hour than give them one more fucking thing for free.

I wouldn't last long at that job.

Submitted by Just Plain PISS... on Mon, 05/30/2005 - 19:43.

You're not the only one who feels that it's not worth it. Our new boss of 2 and some odd months went on a vaccation for 2 weeks (he was actually a decent boss), and when he came back he got canned. Some new shit for brains replaced him. With in the last 2 wks 7 of 13 employees have quit. The sales ppl got a nice pay cut too. The owner of the company is definately a cockbite, he didn't even introduce himself when he came to our store. We've been open 8 mon and there's only 3 of us that have been there from the start. I think sliding down a cheese grater naked into a pool of sanitizing acid would be better than working here.

Submitted by Timberwolf on Mon, 05/30/2005 - 18:55.

You know, this guy brings up a good point-- something I totally forgot. While I argued that affluent people give you a harder time about high-priced items, I totally forgot that the trend extends to the parts and accessories to said item, also. My associates in the parts department can totally vouch for that.

The $10.00 item for the RV of course gets his knickers in a wad, but let that same guy to to the grocery store and think nothing of picking up a $12.00 steak for dinner when $3.00 hamburger meat would do just fine.

Submitted by Just Plain PISS... on Mon, 05/30/2005 - 20:00.

That's pretty much dead on. The fucker who complains about that inexpensive part 9 chances in 10 has a mansion on the lake, and makes 6 figures or more. It really does take a cunt to complain about the price of something that is like $10 when they just bought a (we'll go with a lower end...) $30,000.
My other favorite is those who complain that since their pension they are on a fixed income, and they don't know about buying *insert part* for their RV. What I'd like to say, "If you don't leave immediately, your income isn't going to be the only thing that's fixed fuckhead."