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Started By
Message
Real life conversation with Credit Card Girl
Posted on 9/23/09 at 2:26 pm
Posted on 9/23/09 at 2:26 pm
I'm one of those guys who gets the bill in the mail, writes out the check immediately and mails it back the next day.
I've been doing this with Visa, now Chase for 30 years. I've never had to pay a penny in interest because I always pay the total amount at the end of the month.
So, today my bill has a 27 buck late fee charge. I check my records. I never got a bill from them last month so it was a bill for two months.
I called the line and got a girl named Jennifer. I explained: "you didn't send me a bill."
She: "We did, if you didn't get it you can pay by going online and finding out what you owe."
Me: "But, if you look up my record you'll see that I've paid up in full every month since LBJ was President. Doesn't that indicate the mistake is yours?"
Her: "I see your record. But that's the past, this is now and you didn't pay."
Me: "How is it that the gas company and the electric company and every other bill I pay sends me a bill every month but now I need to get online to find out when you are going to send one?"
Her: "We sent you a bill because it's here on my computer."
Me: "OK" I wanted to say "BITCH" but I knew it would offend Cubbies.
I'm sure Jennifer gets lots of calls from people who are negligent and use the "I never got a bill" excuse to avoid the penalty. But here is my question:
If credit card companies want to make money on people that never get hit with late fees, might they not skip a billing and charge the fee?
If this happens again I'm gonna change credit cards. Anyone have a competitor of Chase?
I've been doing this with Visa, now Chase for 30 years. I've never had to pay a penny in interest because I always pay the total amount at the end of the month.
So, today my bill has a 27 buck late fee charge. I check my records. I never got a bill from them last month so it was a bill for two months.
I called the line and got a girl named Jennifer. I explained: "you didn't send me a bill."
She: "We did, if you didn't get it you can pay by going online and finding out what you owe."
Me: "But, if you look up my record you'll see that I've paid up in full every month since LBJ was President. Doesn't that indicate the mistake is yours?"
Her: "I see your record. But that's the past, this is now and you didn't pay."
Me: "How is it that the gas company and the electric company and every other bill I pay sends me a bill every month but now I need to get online to find out when you are going to send one?"
Her: "We sent you a bill because it's here on my computer."
Me: "OK" I wanted to say "BITCH" but I knew it would offend Cubbies.
I'm sure Jennifer gets lots of calls from people who are negligent and use the "I never got a bill" excuse to avoid the penalty. But here is my question:
If credit card companies want to make money on people that never get hit with late fees, might they not skip a billing and charge the fee?
If this happens again I'm gonna change credit cards. Anyone have a competitor of Chase?
14
Posted on 9/23/09 at 2:30 pm to Zach
Wells Fargo
Posted on 9/23/09 at 2:34 pm to Zach
quote:
If this happens again I'm gonna change credit cards. Anyone have a competitor of Chase?
Call again, ask for a manager, if they don't fix it, ask to be directed to the department that can cancel your account.
That will fix it.
Posted on 9/23/09 at 2:46 pm to TheHiddenFlask
quote:
ask to be directed to the department that can cancel your account.
This works,
also if you do change cards I suggest Cabela's Visa, excellent customer service, they have waived late charges for me once when it was my fault, also has good rewards
Posted on 9/23/09 at 2:52 pm to Zach
Last Dec the CC folks sent me a bill which I received the day after the payment was allegedly due. I called them and told them I wasn't paying the late fee, he said OK and cancelled it.
Posted on 9/23/09 at 3:11 pm to Zach
quote:
If credit card companies want to make money on people that never get hit with late fees, might they not skip a billing and charge the fee?
Your conspiracy theory assumes complete competence on the part of the USPS.
quote:
But, if you look up my record you'll see that I've paid up in full every month since LBJ was President. Doesn't that indicate the mistake is yours?
That could also indicate you're approaching the age where you become forgetful
quote:
If this happens again I'm gonna change credit cards. Anyone have a competitor of Chase?
I'm not sure there is a good credit card company. You get what you pay for and none of us are paying up front use of card fees, it's all back end gotcha fees.
quote:
Wells Fargo
I've never personally used Wells Fargo but have dealt with some of their HR employees and they do seem to have a "small town" corporate culture, so it wouldn't surprise me if they were better than average for service.
This post was edited on 9/23/09 at 3:14 pm
Posted on 9/23/09 at 4:19 pm to TigerinATL
didn't you realize you hadn't received your bill yet? Also you act like you are doing them a favor by paying your bill on time for 30 years, they especially don't like you
Posted on 9/23/09 at 4:28 pm to Zach
I like to pay my credit cards off every month as well. I typically do it on-line. I usually get the bill in the mail, open it, review it, and then go on-line to pay it immediately.
A few months back, I didn't get my paper bill and I never went on-line. I had only charge something like $30 the previous month.
The next month I get the paper bill and I was charged a $35 late fee (on a $30 balance).
I called, explained the situation, and girl credited my account because she could see I had been paying it in full every month for the past four or five years on-line, two or three days after the billing date.
She told me that I should set up an automatic payment on-line so that they will always take out the minimum due each month. That way, I never have to worry about a late fee if something happens to my paper bill and I "forget".
I don't want to pay the entire amount automatically just in case I get charged something fraudulently. I can then challenge the fraudulent charges. But, by automatically paying the minimum, I never have to worry about late fees.
Oh, and I've never paid the minimum because I've always paid the entire amount before the minimum was due. But, at least I'm protected.
A few months back, I didn't get my paper bill and I never went on-line. I had only charge something like $30 the previous month.
The next month I get the paper bill and I was charged a $35 late fee (on a $30 balance).
I called, explained the situation, and girl credited my account because she could see I had been paying it in full every month for the past four or five years on-line, two or three days after the billing date.
She told me that I should set up an automatic payment on-line so that they will always take out the minimum due each month. That way, I never have to worry about a late fee if something happens to my paper bill and I "forget".
I don't want to pay the entire amount automatically just in case I get charged something fraudulently. I can then challenge the fraudulent charges. But, by automatically paying the minimum, I never have to worry about late fees.
Oh, and I've never paid the minimum because I've always paid the entire amount before the minimum was due. But, at least I'm protected.
Posted on 9/23/09 at 5:01 pm to Zach
Hey Zach, with as many posts you have on here, I'm sure you're proficient enough to pay online. Its usually really easy and safe.
Why wouldn't you give it a try?
You're paying for stamps as it is.
Why wouldn't you give it a try?
You're paying for stamps as it is.
Posted on 9/23/09 at 5:11 pm to ManiaTiger
quote:
Wells Fargo
Wells Fargo used to be the worst at that. I lease a copier and Wells Fargo used to be really bad about putting a $50 late fee on your account every month or two. I would have to call them up and tell them that my check had even cleared back to my bank before the payment was due and they would simply say "Sorry" and take the $50 off my account. Evidently they got busted on this as they haven't done it in a few years.
Posted on 9/23/09 at 5:23 pm to Zach
I'm surprised they wouldn't waive the fee, maybe she was new to the job.
Also surprised you didn't know you owed money that month.
I set up an automatic debit from my bank to send my card issuer a check for $50 every month so that if I do forget, get hospitalized, or whatever that at least I don't get hit with late fees and risk my credit rating.
Also surprised you didn't know you owed money that month.
I set up an automatic debit from my bank to send my card issuer a check for $50 every month so that if I do forget, get hospitalized, or whatever that at least I don't get hit with late fees and risk my credit rating.
Posted on 9/23/09 at 6:59 pm to TigerinATL
quote:
That could also indicate you're approaching the age where you become forgetful
Ya know, I even thought about that, but I pay the bill the very day it comes so I don't have to remember. And if I'm getting senile how come this never happens with all my other bills?
Posted on 9/23/09 at 7:02 pm to Brightside Bengal
quote:
I'm sure you're proficient enough to pay online. Its usually really easy and safe.
The internet is the debbil's work. I pay by mail as a tribute to my ancestors. Besides, there are still some people who pay their utility bills at the liquor store.
Posted on 9/23/09 at 7:04 pm to foshizzle
quote:
Also surprised you didn't know you owed money that month.
I owe money every month. At least 500 bucks on my wife's books and running gear. I don't use a CC myself but the wife hates cash. I just pay the bill because it shows up in the mail box. BTW, if any of you are from NO she's running the Marathon there next month.
Posted on 9/23/09 at 7:17 pm to Zach
quote:
I just pay the bill because it shows up in the mail box
Mind sharing your address?
Posted on 9/23/09 at 7:33 pm to Tigerpaw123
Well, my phone number is 867-5309
Give me a call.
Give me a call.
Posted on 9/23/09 at 7:49 pm to Zach
I have had late charges waived at least 10x by Amex, sometimes it was my fault and the payment got there a day or two late as I might have been out of town, at least twice I did not receive a bill. This is over about 8 years. I typically pay online, sometimes not. Amex seems pretty reasonable working with people.
Posted on 9/24/09 at 10:27 am to barry
There may have been a billing issue with the new regs out courtesy of our current Presidential administration-- Reg Z, truth in lending.
Posted on 9/24/09 at 10:54 am to Zach
First I just want to say that it's awesome that you pay off every month. The only flaw is that you must know by now when the bill is due. I certainly know when mine are due whether or not they mail one to me. 
Posted on 9/24/09 at 2:37 pm to Zach
867-5309 
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