CC overpayment

[Itsmeagain]

I also overpay for all the reasons mentioned here.  But I do it through my bank "bill pay".  Using bill pay, I have been able to overpay both Chase and Alliant.  Alliant however, just credits the overpayment to my savings acct.  I have also overpaid Discover, Amex, Macys (store and Visa), Best Buy (Store and Visa), Hooters, Kroger (RBS) and BoA.  All with no charges or compaints from them.

I don't know of ANY CCC that would refuse money when it comes through the door.

[Anonymous]

IIecs,

Just make sure that you keep an eye out for the Target refund check. I once had a Target overpayment because I paid a bill in full before I actually realized that there was an unauthorized charge-- a store in another state manually mistyped someone's card number and the charge hit my card. Target immediately revesed the charge which left a credit. A week or two later, the credit was gone-- "other charges" in the amount of the credit having absorbed it. I assumed I'd get a refund check, but after the next billing cycle I had to call Target to ask what happened. They very quickly asked IF I wanted the money back... uh, yeah! LOL! They then credited it back to my account. Go figure.

So, just keep an eye out. You might have to request it back.

[Anonymous]

funny over payment story  checked my wamu credit card see a charge for  $143 call the toll free number and found it was a home phone servce for those with bad credit, so that's not me, so I file dispute and they credited to my account,

now you to at this this was a two cycle card which ment they amount I pay to be PIF was the balance of the previous cycleI , so the next month I check ed I saw I didn't make payment ,but was't charge  a late fee, then I realied the credit  from the fraudulent  was larger than the amount I was required to make, so

[llecs]

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nothingman02 wrote:

Im sure you know about Juniper, which going by your many posts, seems like your favorite card along with Target.

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I still don't like Target. My financial forecast for Target are sunny $0 balances with no chance of a CLI in the future.

However, I have warmed to Juniper after the $1100 CLI last month. They are no longer on the chopping block.

[llecs]

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LilMirth wrote:

IIecs,

Just make sure that you keep an eye out for the Target refund check. I once had a Target overpayment because I paid a bill in full before I actually realized that there was an unauthorized charge-- a store in another state manually mistyped someone's card number and the charge hit my card. Target immediately revesed the charge which left a credit. A week or two later, the credit was gone-- "other charges" in the amount of the credit having absorbed it. I assumed I'd get a refund check, but after the next billing cycle I had to call Target to ask what happened. They very quickly asked IF I wanted the money back... uh, yeah! LOL! They then credited it back to my account. Go figure.

So, just keep an eye out. You might have to request it back.

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Definitely good to know. Thanks.

[Lel]

I sometimes overpay my statement balance, to cover some charges that posted shortly after the statement closed.  However, I do all my payments online, and I cannot pay more than the total balance (statement balance + unbilled charges) for most (if not all) of my cards.

Message Edited by Lel on 07-07-2009 02:00 PM