Give the cc company a break. The conversation went like this: "Hi, I made a payment, but it wasn't for the full amount. I doubt that you can waive the interest charges since they are part of your company policy, right?" "yes, that is correct." "ok, thank you."
First off, the woman I spoke to in India could really give a damn what I do with my credit card. That said all she did was look at the guidelines and confirm, yep I made a mistake. I AGREED to their terms when I took the card and used it.
It's really important to own up for one's errors.
What would you do if you got the the airport late and the plane left ten seconds before you got there? Complain that you've used the airline for
30 years and had never been late before?Anyway, they did quite well with that $11 . The stock I have in the company rose a bit today and I've made my money back many times over.
As a stockholder, I guess I am one of those crooks, by your way of thinking.
I've been following this conversation for a while now, so I want to chime in with a story of my own. We also pay off the full balance on the one card we use. About a year ago, somehow a check either got lost in the mail, or maybe before it ever made it to the mailbox. At any rate the payment didn't make the trip. When the next months bill came there was a late fee plus the new balance. My wife called the CC co. and explained what happened. They agreed to drop the late fee and accept the new and old balance over the phone.
Also, along what's been discussed, just last week we got a "cash back" check that the wife had put in for. I don't know how long the period was for, but the check was for just under $700.00. We're now doing a bit more traveling, so we might be changing that to "airline miles" instead of "cash back" sometime in the near future.
I'd would have already cut that card up and mailed it back with the final payment and be dumping the stock. it's the principle of the thing not the amount. A follow up letter to the CEO would follow.
ould I have to pay another "CROOKED" company to manage my money,
Pretty much word for word.
Had /they/ made the mistake, it would have been different.
yeah, that's the same thing.
On 03/21/2016 03:40 PM, RonNNN wrote: X
I always wondered what would happen if my check never made it to them. In a few days I should be setup for "auto payment". I have all my other financial transactions set up for "auto" .
Yep...my credit card company also gives me cash back. I can apply for it any time I want. I usually wait until it gets to $400.
Yep.
That's not, imo, how the conversation should go. You remind them of your loyalty, you mention your poor eyesight, mention the honest mistake, tell them you believe $11 (or whatever it was) is a little ridiculous and that you like them to remove that charge.
Never doubt that they can remove that, because they quite easily can, and will.
EXACTLY !!!!
I had the exact same thing happen to me with a missing payment and I did exactly what you did. Late fee removed.
The point I was trying to make is that if you've never been late to make a payment, or, as in your case, always paid in full, they should know it was just a simple error and usually take that into consideration. I have to agree with everyone else here and say you were taken advantage of. That's simply not something I would take with a grain of salt as you seem to be doing.
They don't remove such a charge for a guy who undoubtedly is willing to pay sticker price for his car, too.
If I were dealing with my local bank then probably yes
but some call center in India?
No way.
It would be easier to argue religion or politics
But you are not Philo.
There is no one at a call center in India who could possibly bend the rules.
I suppose I could talk to a supervisor or write letters to the CEO but again the $11 lost is not worth wasting my time.
Bottom line : It was my own fault.
The main reason I even posted this is because I thought it funny...the money was a trivial amount.
Come on now, tell us what you REALLY think!!!
Never bought a new car in my life.
Since in all the years I was working, my employer provided a vehicle... I was able to get by fine with a well used 2nd car.
For a very tiny personal-use fee, I was always allowed to use my car or van for personal use.
Until I retired I had spent less than $1000 on the purchase of automobiles. (Over 40 years)
When I retired I bought a very good used car...so at age 62 got my first non-junker ever. It was $8k
That was five years ago and other than routine maintenance such as oil changes has needed no repair work until recently I took it in for brakes.
BTW: Getting back to my credit card company...my account was once hacked just before I went on vacation. I am pretty sure it was a "skimmer" at a gas station I had been to.
Though I now have another card for emergency use...with that one card...it was a real emergency.
Though there was normally an $18 fee for air-expressing a new card...due to the situation they waived the fee and my vacation was saved.
I hardly need to mention that I did not have to pay anything for the amount of theft. I just had to sign a form.
On 03/21/2016 04:15 PM, taxed and spent wrote: X
Had my check gotten lost in the mail, that would not have been my own fault and I would have called at once!
$11 is substantially more than the 2¢ error. Heck, $11 will buy a nice bottle of table wine! [g]
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