I had an interesting chat with Discover Card recently. My payment was due on the 5th. They called on the 8th. I told the guy I would make an online payment that day. He offered to let me do it over the phone to "get me caught up." in other words, he wanted me to pay last month's bill and this month's bill. I said no thanks, I'll pay last month's this time, and in two weeks I'll pay next months. He told me that that wouldn't get me caught up. I said, "Exsqueeze me? If I pay on the 8th and on the 22nd, I will still be late when the due date of 6/5 arrives and I don't owe anything?" He said, "That's right." So I said, "So next month, on the 3rd, you'll be calling me to tell me I'm behind?" He said, "Since the billing cycle for last month has closed you've been charged a late fee, and unless you pay the full amount today, you won't be caught up." So I asked, "Then why do you send me a bill that says the payment is due on June 5 when it's really due today?"
posted by hiikeeba at
6:56 AM
4 Comments:
Credit card companies are like that, which makes getting out of debt that much more sweet. Like your blog, keep up the work.
Now that's just confusing...
We use debit cards. Credit cards aren't big in this country.
Had the same thing happen with Dell yesterday. I have an email from the confirming my bill is due on the 28th of each month but they called and said I was late because the billing cycle is every 25 days and therefore I was late and wouldn't be caught up with the late fees unless I paid over the phone. Guess it's payday in India and they were running short. :)
Credit card companies make it up as they go along. If you have ever got on the wrong site of Amex, then you will understand what evil and frustrating means.
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