Financial Challenges Support Group

I paid off one credit card in full a few weeks back. I received a statement yesterday in the mail believing it would have a zero balance in it and guess what???????? I have a new balance on it.

These little f***ers decided to add the pay-by-phone charge to my credit card with interest added to it and labeled it as a purchase on my statement. I called them asking what BS practice is this?????????? I told them that I find it amusing and can prove it that they have always included the $9.95 pay-by-phone fee with the amount I was paying directly to my bank. I told them that it was clear that they deliberately did this to f*** me because they conveniently made it appear as a purchase on my statement instead of adding the $9.95 as they ALWAYS have done in the past to my payment immediately to the bank.

I viewed all past payments made that I saved and let's say the minimum was $100.00 then I would see a deduction from my bank statement that said $109.95. I yelled at the lady "Who the f** do you think you are kidding?" When I confronted her with the proof that this was the only time they charged the $9.95 to my statement then it was one bullshit line after another from her. I'm sure that either they were hoping that I wouldn't notice and assume that my balance was zero so they could start raping me with late fees and everything else or this was their desperate attempt to get some cash out of me.

My balance is $11.86 and that doesn't sound like a big deal but this is the deceptive practice they do to rape you in the end. You can read all about these things online. They might be having you pay your bill consistently every month on the 21st. Watch out though as they are known to change it to an earlier date hoping you do not catch it so they can up your interest rate and charge you fees. Citibank did this to me. I asked them to make my payment date no earlier than a certain date and the guy said that he has it in his system and I would be billed consistently on a certain date and never sooner. However, I received a statement that was demanding a payment 6 days earlier than usual and didn't catch it. I called them and the ladies attitude was "tough titties" with me and she told me that she doubted that guy would say that because it was wrong but then she offered to set me up with the exact same thing where I would only pay after a certain date????????????????????? Lying pieces of shit. They are all crap.

I had a CC that sent me my zero balance for a while and eventually charged me an annual fee that I was unaware of. I ended up having to pay over $200.00 for zero purchases. Cancel your cards immediately and do not listen to those that tell you that it is smart not to cancel cards as some do online.

This is another reason why not to own CC's as they are royal pieces of shit.
Posted on 08/13/08, 08:08 am