bravebiffy said:Ehhh, I wonder how AMEX gets figured into all of this. Their charge cards require you to pay in full every month AND they have no preset spending limits (on some cards).

So I might be getting something for nothing?

Annual fees

taxmantoo said:I agree with Jerry on #4 of the "don't try to tell me this" list.
Mail does get misdirected/lost. Less than 1% of the time, but sometimes.

I have one home and 20 credit cards. If I had a mortgage, I'd notice that I hadn't paid that this month before I'd notice that one of my CC statements was missing.

my first bill with at&t universal after a large 0% BT was late by a month. I signed up for that card a few months before the BT and I didn't even know I had a bill until I was going through Quicken. When I logged in, I noticed it was late by 10 days and had finance charges of a few hundred dollars + late fee and my 0% BT was over because of their terms.

After calling the CSR, she waived the finance charges and made it so that my 0% BT was still in good standing. I was very nice to her and was okay to pay the late fee as it was my fault. I was just glad that the finance charges was removed and the BT offer was reinstated.

5 days later, I get that original statement! So it does happen that the USPS isn't too reliable.

SupTech said:The sweethearts known as BofA have a new scam.
Ok not new, they have been doing this one for a few years now.
They move the due dates to the weekend.
This seems to really increase the amount of late fees they generate.
Clever clever !

Not...

With FIA at least if the due date is a weekend/holiday its not late until end of next business day.
Paying my FIA card electronicly often shows a weekend (date is auto filled in as due date) and money is not pulled from checking until Monday.

I would assume it worked the same for BoA cards since FIA is BoA.

What a miserable person it must really suck to have to work a job that makes you so miserable.

mhesidence said:SupTech said:The sweethearts known as BofA have a new scam.
Ok not new, they have been doing this one for a few years now.
They move the due dates to the weekend.
This seems to really increase the amount of late fees they generate.
Clever clever !

Not...

With FIA at least if the due date is a weekend/holiday its not late until end of next business day.
Paying my FIA card electronicly often shows a weekend (date is auto filled in as due date) and money is not pulled from checking until Monday.

I would assume it worked the same for BoA cards since FIA is BoA.

This has happened to me twice. Once I paid 3 days before the due date but because of the thanksgiving holiday it was credited 5 days later. They gave me back the 39$ fee. Another time I paid on Friday night and it was due Saturday. And they waived the fee. All I have is a 16k BT with them. It seems like they would want to cancel my 0% rate, but they have been nothing but helpful.

As opposed to Juniper which was rather rude when I called.

lender01 said:Your local postmaster has access to the USPS database, but the easiest thing to track is when did they get the mail piece and if you ask, and they have time and reason to do it they can keep track over time of the date the local office recieves a particular mail piece and then cross check when it was recieved at the sending office. Unless you have an exceptional relationship with your post master don't expect to get such service....
Do you mean that USPS's database has every piece of [1st class?] mail that they receive from customers, showing date received for each piece? And in order to "cross check" I assume that the name and address of sender and recipient needs to be searchable. What is USPS' objective for doing that, esp. if they don't let the public access it? And what happens to the mail pieces that are addressed by hand or have the return address on the back? Just curious.

I got screwed by Chase. Long story short, my rate shot up to 30% because i was late on a payment. fair enough, i can take responsibility for my stupidity. i called customer service. the guy advised me that after steady on-time payments, the rate would go back down. i said, 'fine. can you close my account, so i'm not tempted to spend on the card?' sounds like the right thing to do, right? WRONG!!! after i closed the account, i called back 6 months later only to find out the rate had not only stayed the same, but COULD NOT BE REDUCED because the account is closed!!! WTF???? they tell me they can't do anything... the almighty chase can't do anything... right. one supervisor's advice was to find another credit card and transfer the balance. umm.. yeah. anyway, now i'm stuck paying over $150 in finance charges and just under $6000 left to pay off. is there anyone higher up that can actually do anything about this?

ampdude said:I got screwed by Chase. Long story short, my rate shot up to 30% because i was late on a payment. fair enough, i can take responsibility for my stupidity. i called customer service. the guy advised me that after steady on-time payments, the rate would go back down. i said, 'fine. can you close my account, so i'm not tempted to spend on the card?' sounds like the right thing to do, right? WRONG!!! after i closed the account, i called back 6 months later only to find out the rate had not only stayed the same, but COULD NOT BE REDUCED because the account is closed!!! WTF???? they tell me they can't do anything... the almighty chase can't do anything... right. one supervisor's advice was to find another credit card and transfer the balance. umm.. yeah. anyway, now i'm stuck paying over $150 in finance charges and just under $6000 left to pay off. is there anyone higher up that can actually do anything about this?

Sorry if this sounds obvious, but since you are not their customer any more, what incentive do they have to help you? I think the supervisor's advice is right: open another card and transfer the balance. Keep the account open until you've paid it off, and then keep it open for the credit history.

tmcc86 said:5. YOU ARE NOT A UNIQUE SNOWFLAKE
I've taken thousands of calls, and I've encountered every possible situation. The earlier you tell me what you would like your end result to be, the earlier you can get your matter resolved. Screaming at me does you know good, and honestly, makes me want to help you less.

 

Doesn't a unique snowflake mean that all snowflakes are the same??

Well, since there is at least one unique, they can't ALL be the same? ALL != ALL - 1Unique

Nobody has worse customer service than WAMU.