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Started By
Message
Credit Card Company BS
Posted on 2/28/14 at 4:03 pm
Posted on 2/28/14 at 4:03 pm
Payday is on the first, or the last business day before the first. This particular credit company that I pay for my son's braces with usually has a payment due date of the third or fourth of the month. Last month the payment due date was the second, which happened to be a Sunday. I pay my bills online, and if you put it in on Friday, it posts on Monday. If you can't see where this is going, the payment posted on the third last month (Monday) and these bitches tag me with a $25 late fee. This month, the second is a Sunday again and, guess what, yeah, that's the due date. It's obvious that they are setting people up with this. Is there anything illegal about it? Would they refund it if I called and complained?
8
Posted on 2/28/14 at 4:04 pm to High C
They might refund it, which company?
If it is a decent CC company you should be able to get them to permanently move your date forward so it hits a little later.
If it is a decent CC company you should be able to get them to permanently move your date forward so it hits a little later.
Posted on 2/28/14 at 4:05 pm to High C
Pay it on Thursday so it posts Friday.
Posted on 2/28/14 at 4:08 pm to Pettifogger
GE Capital Retail Bank
Posted on 2/28/14 at 4:09 pm to High C
They don't let you set your own payment date? A lot of them do.
Posted on 2/28/14 at 4:10 pm to Al Dante
You ever heard of that phrase, fool me once, shame on you, fool me twice, shame on me
Problem solved. I'd be pissed too FWIW.
quote:
Pay it on Thursday so it posts Friday
Problem solved. I'd be pissed too FWIW.
Posted on 2/28/14 at 4:12 pm to High C
That seems messed up. Every credit card company that I deal with states that if you pay online on your due date and that date is a Sunday, it counts as "on time".
Calling and complaining should get them to reverse the charge but, going forward, pay it on a weekday, I guess.
Calling and complaining should get them to reverse the charge but, going forward, pay it on a weekday, I guess.
Posted on 2/28/14 at 4:13 pm to High C
Why are you waiting till the last possible day to make a payment? Schedule the payment a few days before it's due and your problem will be solved.
Posted on 2/28/14 at 4:14 pm to Al Dante
quote:
Pay it on Thursday so it posts Friday.
You must be OT Ballers. Sometimes money's too tight to mention and I actually have to wait until payday (Friday) to pay the bill. I'm not that stupid.
Posted on 2/28/14 at 4:16 pm to High C
quote:
Sometimes money's too tight to mention and I actually have to wait until payday (Friday) to pay the bill. I'm not that stupid.
don't use the CC
Posted on 2/28/14 at 4:17 pm to High C
quote:
You must be OT Ballers. Sometimes money's too tight to mention and I actually have to wait until payday (Friday) to pay the bill. I'm not that stupid.
Holy shite I had sympathy before I read this
Posted on 2/28/14 at 4:17 pm to High C
quote:
You must be OT Ballers. Sometimes money's too tight to mention and I actually have to wait until payday (Friday) to pay the bill. I'm not that stupid.
At the very least, pay the minimum a couple of days early so you avoid the late charge.
Posted on 2/28/14 at 4:18 pm to High C
quote:
You must be OT Ballers. Sometimes money's too tight to mention and I actually have to wait until payday (Friday) to pay the bill. I'm not that stupid.
If you pay it on Thursday after 3pm, it isn't clearing your bank that night.
Posted on 2/28/14 at 4:18 pm to Topwater Trout
Ummm, kid's braces financed on it. It's called Care Credit, which I assume GE owns.
Must've been tl;dr?
Must've been tl;dr?
Posted on 2/28/14 at 4:19 pm to High C
quote:
Credit Card Company BS
quote:
I pay for my son's braces
Are you receiving a special promotional interest rate?
If not, you're playing with fire. You are going to get burned.
Posted on 2/28/14 at 4:21 pm to Teddy Ruxpin
quote:
Holy shite I had sympathy before I read this
Anyway, not looking for sympathy. Wondering if this is an ethical, or legal practice.
Posted on 2/28/14 at 4:21 pm to High C
oh my bad...so it is a set payment every month? try not waiting til the last possible second...or at least going forward know when it will not go thru on time
Posted on 2/28/14 at 4:21 pm to Will Cover
quote:
Are you receiving a special promotional interest rate?
If not, you're playing with fire. You are going to get burned.
Even if he is, he better get the late fee problem solved because they can immediately switch him to the regular interest rate for being late on a payment.
Posted on 2/28/14 at 4:21 pm to Walking the Earth
Dave Ramsey would not be proud
Posted on 2/28/14 at 4:24 pm to High C
quote:
You must be OT Ballers. Sometimes money's too tight to mention and I actually have to wait until payday (Friday) to pay the bill. I'm not that stupid.
Well, this is the O-T Lounge. Maybe you should post on the soccer or music board?
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