I am on credit card Candid Camera. I’m sure of it.
With all the issues from our current bank with debit and credit card issues and address changes, we applied for a credit card from another institution, hoping and praying for better results.
There is no balance on the card…. it is for emergencies only.
Today I got a call saying that my payment was late and I needed to make a payment of $75 right now to set my account straight. Um…. $75 for what? I was on my way into an appointment, so I told the proper English-as-a-second-language fellow that I would call later and get to the bottom of this. He kept yammering. I said BYE! and hung up. See? I was nice and signed off.
I called later to get to the bottom of this. (Push 1 for English. Enter last four of SS#. Push 0 to speak with a live person. Hello! Name as it appears on the card. Last four of SS#. Full card #. Whew.) I asked what my balance was. $59. …. $59 for what? (And what happened to $75? Should I hang up and call back for a lower amount again?) I asked them to check what the charges were. Seems there is an annual fee that they break up and charge monthly. (That info was probably detailed in that really long paper they gave me with font size 3 writing…) And we missed a payment. And now two month’s payments are due plus a late fee.
I told the kind man, who was probably in India taking my call, that I would not be paying the late fee for monthly charges that I did not realize were going on the account monthly. BAM! Last I knew the balance was ZERO.
He quickly took off the late charges (probably sensing my superpowers) and then…….. we were disconnected. Perfect.
Call #3 (Push 1 for English. Enter last four of SS#. Push 0 to speak with a live person. Hello! Name as it appears on the card. Last four of SS#. Full card #. Whew.) I got to chat with a kind lady… and had to explain everything that just happened again. I told her I was calling to make the payment, minus the late fee. She told me that she could see a credit for the late fee, but that the charge would not come off until next month. Seriously? However, she would be happy to take my payment, but there is a $9.95 fee for paying over the phone. Oh.My.Stars. Not happening.
My husband did not relish hearing this story (except the part where I refused to pay the late fee) and asked me to call back and tell them we want to pay the yearly fee one time. I did. (Push 1 for English. Enter last four of SS#. Push 0 to speak with a live person. Hello! Name as it appears on the card. Last four of SS#. Full card #. Whew.)They won’t. I asked kind-man-from-India-#3 if we could just pay the yearly fee and have a positive balance on the card and the monthly fee would be taken out each month.
I had to go on purgatory hold while he checked with a supervisor. Of course I did. Well, it seems that we CAN have a positive balance but our credit score will go down if we don’t use the card and pay it off monthly.
I think we accidentally got the credit card for kindergartners.
Tags: bank issues, credit card, credit card purgatory, debit card, emergencies only, india, it figures, late fee, mom, mother, over the phone payment, seriously!, work outsourced to India, zero balance