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in a nutshell, Did my taxes had enough to pay off credit cards in March. Called credit card companies to find out what my remaining balances are. let them know i was paying off today exciting right? wrote out the checks sent the payments in the mail WALLA im clear right? WRONG!!! i goto babies R us today spend 60.11 pull out the ol credit card and swipe, declined.....hmm swipe again, declined again???? holding up a line at this point, embarresed, cashier says want me to void all of this? sheesh.....i call BRU/chase....it said i had a balance of 90??? and an avail credit or 400, i havent used my card since payoff!!!! get through to customer service. they tell me I had an outstanding 2.00 FINANCE CHARGE! that i was given a late fee for and that April 1, i used my card for 59.00 and its june and a payment hasnt been recieved so i am given ANOTHER late fee!!! i havent recieved ANY statements nor did i use my card. but all i had to do was pay 18.00 and they will unblock my card. i said NOPE i dont agree to the charges and again wont be useing this card. it only has a 500 limit on it anyways...no courtesy call to say umm did you forget to make a payment? no statements??? how do i go about filing a complaint?
I guess i should make it habit that even though paying off a credit card call and make sure its paid off???
@tongrad wrote:in a nutshell, Did my taxes had enough to pay off credit cards in March. Called credit card companies to find out what my remaining balances are. let them know i was paying off today exciting right? wrote out the checks sent the payments in the mail WALLA im clear right? WRONG!!! i goto babies R us today spend 60.11 pull out the ol credit card and swipe, declined.....hmm swipe again, declined again???? holding up a line at this point, embarresed, cashier says want me to void all of this? sheesh.....i call BRU/chase....it said i had a balance of 90??? and an avail credit or 400, i havent used my card since payoff!!!! get through to customer service. they tell me I had an outstanding 2.00 FINANCE CHARGE! that i was given a late fee for and that April 1, i used my card for 59.00 and its june and a payment hasnt been recieved so i am given ANOTHER late fee!!! i havent recieved ANY statements nor did i use my card. but all i had to do was pay 18.00 and they will unblock my card. i said NOPE i dont agree to the charges and again wont be useing this card. it only has a 500 limit on it anyways...no courtesy call to say umm did you forget to make a payment? no statements??? how do i go about filing a complaint?
I guess i should make it habit that even though paying off a credit card call and make sure its paid off???
I think you are having a BAD DAY my friend...wow. It will get better Holding up the line at the grocery store is a killer I know you were embarassed in the worst way imaginable. I wish you all the best my friend.
You should definitely make a point of checking your accounts online often. Anytime you pay outstanding balances after the statement date you'll have additional finance charges to pay.
My advice is PAY THE $18.00!!!! If you didn't make the charge on April 1 you should file a fraud or identity theft charge.
I hear your frustration!
I paid my Chase card off last month (online). Just happened to check my statement one last time to make sure it was at $0.00. To my surprise, I had a $1.00 finance charge. Reason stated "variable rate adjustment previous month." So they charged me a flippin $1.00. These credit card companies are reaching for every dollar they can get. Literally!! Grrrr......
When I pay online, I always print up my receipt & put it with my paper bill (I never use "online" bill only, I make them send paper!) Then I have their printed bill to me, my online payment & conf # fold them together & they go in monthly order in their own envelope in my bill basket.
I have become eco-unfriendly in the paper bill aspect, but FICOhappy in the CYA aspect. I AM the only one to be sure my stuff is paid on time & I have all my documentation to prove it. I have 5 years worth ofpaper bank statements for payments & everyTax return from 1975 forward.
Yeah....I'm a little **bleep** that way! But no one is ever going to surprise my pocketbook again!
@haulingthescoreup wrote:
First of all, the most important lesson is: always pay online, not by snail mail.
Agreed.I've learned this one as well the hard way...
Why would a card charging you interest when you carried a balance be a reason to be unhappy with it?
@Anonymous wrote:
I had a similar experience after having paid off my Chase Visa. Chase has an option to receive email alerts when you have a payment coming due. That is how I knew I owed them $1.00 even after I had PIF. I promptly paid it off then once the $1.00 payment cleared I called and closed it. It was a measly $300 limit starter card that apparently had some kind of stunted growth because it never grew in 2 1/2 years. I was gonna SD it then decided heck with it I have too many credit cards as it is and I closed and shredded it. That's 2 $300 accounts I've closed in 2 days and I haven't lost a wink of sleep over it.