re: Real life conversation with Credit Card Girl

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The only flaw is that you must know by now when the bill is due.

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I get bills for:
Gas
Electric
Water
Phone
Cell Phone
Gym
Credit Card
Rural Garbage Collection
10 of my wife's running magazines (I'm beginning to think she's a lesbian).

They all come on different dates. Am I supposed to memorize them all?

Have all your accounts auto billed to your Visa, then you only have one bill to pay a month

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The internet is the debbil's work. I pay by mail as a tribute to my ancestors.

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yes, but it is really much easier. I get a notice to go pay my bill, I go pay it. I can even schedule it for the day before its due.

the internet is great.

call and cancel the account, they will waive the fee.

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If this happens again I'm gonna change credit cards. Anyone have a competitor of Chase?

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You should change anyway. That's pretty dick. How long have you been with them?

Chase fricked me once, too. I signed up for their electronic checking account link online, and I entered what I thought was my checking account #, hit enter, then it told me my checking account was linked! So I pay my bill.

Then the evening before the bill was due I realized that I didn't enter in my checking account information right. I immediately went online, corrected the information, and sent another payment, but it wasn't going to be processed in time for the due date. So I emailed them and told them my situation, how THEIR computer told me my checking account was linked, and how that was indeed not the case apparently. Didn't matter. $40 late fee. I had that card since I was 18 and had been late only once prior to that.


So I paid the card off, ripped it up, and have carried a zero balance since. I figure that's even better than canceling the card because they still have to deal with the cost of having it around in their system. frick Chase.

Well, here's the latest. Keep in mind that I went ahead and paid the penalty fee last week.
Today I got a letter from Chase with a copy of my bill from August (the month they didn't send me a bill).

They had the usual crap about how much they value me as a customer and if I have any questions to call customer assistance.

I'm thinking about writing a letter instead and enclosing their letter. I'll explain that "I know what the charges were in August. Not the point. The point is that you never sent me a bill."

So, should I write the letter or call Jennifer again?

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So, should I write the letter or call Jennifer again?

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Don't do it. They probably would love for customers like you to cancel so they can extend your credit to customers that don't mind getting treated like shite. That's how these people make most of their money - through things other than the interest. late fees, over limit fees, etc - to them you're actually a horrible customer and they are treating you like it.

I say write the complaint letter. Then you can be that cranky old retired guy who writes letters.

I thought it was "let's move before they raise the parking rate." In any event that's one of my favorite guitar solos ever. And the bass line!

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Don't do it. They probably would love for customers like you to cancel so they can extend your credit to customers that don't mind getting treated like shite. That's how these people make most of their money - through things other than the interest. late fees, over limit fees, etc - to them you're actually a horrible customer and they are treating you like it.

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Yeah, you would be wrong. They like people who pay their bills on time. When I worked for capitalone, it was about $800 per month made it worthwhile for them to have. I am sure costs have gone down since then, since back in the 90s much of the process for credit card approvals/customer service was manual. Now you can do most everything on line and that improves their margins.

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kfizzle85

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agreeing with me is a -1.

CCC = 1
Ruskie = 1
Kfizz = -2