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Thread: Credit Card Rant

  1. #1
    Featured Member veronicachick's Avatar
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    Default Credit Card Rant

    So I got my very first credit card in july... with a whopping credit line of $300.00.

    My payments are due on the 28th of every month... so on the 19th of July I made my first payment. Then, because I wanted to be responsible with my credit card, I made my Aug. payment extra early... on Aug. 1st. Because I knew that I had already made my payment I didn't worry about it at all during Aug...

    so today I check my statement online and I see that they hit me with a $40.00 late charge... along with some other fees... and somehow now I owe em over $300.00.

    So I called them to find out what's going on, and the lady explained to me that I have to make my payment on the 2nd for it to count for that month and that my payment on Aug. 1st was credited to July. I'm new to this credit card thing and when I activated the card no one told me this. So the customer service lady tells me that she understands and would get rid of the late fee, but because she didn't have the permission to do so she would transfer me.

    Then this guy comes on and is a total asshole to me. He tells me the only way to get rid of the late fee is if I make a 130.00 payment today. He talked to me as if I'm a total idiot. I asked if I could call back(because I'd have to transfer money between accounts) and he tells em that the only way I can get this deal is if I pay now. Ugh.

    So reluctantly I decide to make the payment because I don't want to pay an extra 40.00 bucks all because I tried to be responsible by making my payment early! So I confirm my bank account info and he attempts to make the payment, until he says his system had an error and to call back! so wtf... I thought this was a one time deal. He said he'll "make a note" on my account info.

    The whole thing gave me a serious headache. and I'm just upset over the credit card thing. I was just trying to make my payments early.

  2. #2
    Veteran Member lazydaisy's Avatar
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    Default Re: Credit Card Rant



    Out of curiosity, what company is your new credit card through? Some of them have terrible ratings for screwing card holders.

    www.badcreditcards.org

    This site has most companies listed with complaints from consumers. I have learned alot about credit card business just reading random posts on the site.
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  3. #3
    Featured Member veronicachick's Avatar
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    Default Re: Credit Card Rant

    capital one. only ones that would approve me.

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    God/dess carmen_b's Avatar
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    Default Re: Credit Card Rant

    ^ You are on the right track! Don't give up. As you know, building credit is EXTREMELY important !

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    Veteran Member OmgShesWild's Avatar
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    Default Re: Credit Card Rant

    Ugh credit cards are the devil!!!!!!


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    Default Re: Credit Card Rant

    The thing you have to remember is that credit card late fees are like stripper fines: Totally about generating revenue for the company. It doesn't really matter who the company is anymore, they are all ruthless.
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  7. #7
    Featured Member veronicachick's Avatar
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    Default Re: Credit Card Rant

    Quote Originally Posted by carmen_b View Post
    ^ You are on the right track! Don't give up. As you know, building credit is EXTREMELY important !
    yeaa. my mom has drilled me with this! lol. she always tells me how good credit can be more important than actually having money. So I took her warnings, tried to build good credit by paying early so one day I can buy a new car and this is where it got me. ughhh. from now I am only paying a week b4 the actual due date. it still upsets me because my credit line is so new and I already had a late fee :-( its not fair.

  8. #8
    God/dess Mr Hyde's Avatar
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    Default Re: Credit Card Rant

    Quote Originally Posted by veronicachick View Post
    So I got my very first credit card in july... with a whopping credit line of $300.00.

    My payments are due on the 28th of every month... so on the 19th of July I made my first payment. Then, because I wanted to be responsible with my credit card, I made my Aug. payment extra early... on Aug. 1st. Because I knew that I had already made my payment I didn't worry about it at all during Aug...

    so today I check my statement online and I see that they hit me with a $40.00 late charge... along with some other fees... and somehow now I owe em over $300.00.

    So I called them to find out what's going on, and the lady explained to me that I have to make my payment on the 2nd for it to count for that month and that my payment on Aug. 1st was credited to July. I'm new to this credit card thing and when I activated the card no one told me this. So the customer service lady tells me that she understands and would get rid of the late fee, but because she didn't have the permission to do so she would transfer me.

    Then this guy comes on and is a total asshole to me. He tells me the only way to get rid of the late fee is if I make a 130.00 payment today. He talked to me as if I'm a total idiot. I asked if I could call back(because I'd have to transfer money between accounts) and he tells em that the only way I can get this deal is if I pay now. Ugh.

    So reluctantly I decide to make the payment because I don't want to pay an extra 40.00 bucks all because I tried to be responsible by making my payment early! So I confirm my bank account info and he attempts to make the payment, until he says his system had an error and to call back! so wtf... I thought this was a one time deal. He said he'll "make a note" on my account info.

    The whole thing gave me a serious headache. and I'm just upset over the credit card thing. I was just trying to make my payments early.
    Do you have poor credit? If not, I'd fucking cancel that card and write a detailed letter as to why.

  9. #9
    Veteran Member Luxurious1's Avatar
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    Default Re: Credit Card Rant

    I use CapitalOne also and its my first cc too. I pay my bill early alllll the time and never had an issue. I hope you clear it up soon...weird.
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  10. #10
    Featured Member veronicachick's Avatar
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    Default Re: Credit Card Rant

    unfortunately, I just have no credit. It's my first and only credit card.

    Quote Originally Posted by Luxurious1 View Post
    I use CapitalOne also and its my first cc too. I pay my bill early alllll the time and never had an issue. I hope you clear it up soon...weird.
    have you ever paid it on the first of the month? because apparently you have to pay on the 2nd for it count for that month. I think they are just trying to steal my monies.

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