posted on Apr, 9 2009 @ 01:19 AM
I never carry a lot of debt on my card and basically use cash as much as I can. But of course for ordering online and other purposes a card is a
Over the past 6 months I've had tons of trouble PAYING my monthly credit card bill. I don't mean in terms of scraping the cash together, but
literally PAYING it: at least 3 times during this period my checks have been rejected for no good reason. First they claimed that I didn't put my
card number on it (falsely). Then they claimed they never got my payment, even though I mailed it. I also noticed a wide varience in the time it takes
for them to credit my account: One month the check goes through a few days after I mail it, the next month it doesn't go throughg except after a
protracted delay (leading to late fees for me even though I sent it on time as always). Then to top it off, in the months when they screw up, they
keep pestering me with these verging-on-harrassing phone calls.
This seems to be a recent (as in within the last half-year to a year) phenomenon. I don't have any idea what the freaking malfunction is -- I mail my
checks on time correctly as always, as I have been doing for decades. I hypothesize the following. Either:
-They are deliberately "losing" the checks to generate extra late fees and higher interest rate;
-Their system is all snarled up due to the financial chaos and they are simply making honest mistakes because they are overworked and (perhasps)
understaffed after payroll cuts; or
-Somebody in the post office or along the way is either deliberately screwing with me or making mistakes.
Being the conspiracy loon I am, I vote option #1. It makes a twisted sort of immoral "sense" and given the corruption in the financial world it
wouldn't suprise me at all.
Does any of this sound familiar? If this is happening en masse I don't know what to do...nobody is going to go to court over a few hundered dollars
or whatever, but if they are doing this delibrately it makes me mad as hell.
This month I paid off the whole thing and I now have a negative balance. I am simply going to leave it like that and I will NOT use their card EVER
AGAIN because these shenanagins cause me endless trouble over literal nickels and dimes, and the mess is probably screwing with my credit rating to
MAD AS ALL GIT OUT!!!