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.![]()




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