@Anonymous wrote:
My last Statement for my Sams Credit cut on 3-6-2009. I made a payment that posted that day but did not make that statement so the payment will show on this next statement. My payment was due 3-26 so I figured the payment that was made on 3-06 would count as my 3-26 payment due date but when I checked today they charged me a $25 Late Fee.... I would think if the payment missed the last statement and ended up on this one it would count as my next due date...
Help!
Had you already made a minimum payment on time before the due date that fell prior to 3-06? If so did the payment made on 3-06 post on the statement ending on 3-06?
If the 3-06 payment was not credited on the 3-06 statement it most definitely could only be credited to the subsequent statement which would have meant that it was paid before March 26 and your reasoning would be correct.
There is something else creating the problem. If you had missed a payment prior to 3-06, a late fee would have been on the current statement.
In the past GEMB has lost my payment in the bank's system. Just have all your payment records in front of you and call the CSR.
You didn't by any chance pay the account with cash at the Sam's store did you? If I remember right I had PIFed in the store before the statement dropped and the payment didn't show on my statement. GEMB claimed that I hadn't made the payment although I had a cash receipt.
I made the payment again while I was trying to resolve the issue over a few days' time. The prior "extra" payment mysteriously appeared a few days after my second payment posted to the account. GEMB disclaimed any responsibility. As usual the poor excuse for a bank blamed the Sam's club CSR for incorrectly processing the payment.
Me thinks GEMB lost you payment or it would either have appeared on the statement you have, or it would have been credited long before 3-26.
I would never make a payment to GEMB either in the store or by mail without checking online every day until I saw it post in my account. If you mailed a (check) payment and the bank lost it, you are probably toast.
The way I deal with the clowns, who can make washing machines and light bulbs, but cannot properly handle my money, is to pay the CC with cash in the store, and save my receipt.
Starting Score: TU 737 EQ 721