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."
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,
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 03:23 PM, email@example.com wrote:
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.
On 3/21/2016 3:34 PM, philo wrote:
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.
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.
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.
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.
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