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Calling Credit Card Companies to Reverse Charges


A visitor to my blog yesterday brought up a VERY good point. If you do get a late fee or another charge from your credit cards – do try calling.

In my anger at that card company, I did the next best thing…I used one of my other cards to transfer the balance over! That transfer should be completed within the next few days.

I’m not going to cancel the card though – because that’s what they want me to do. The transcript to the conversation I had with them before is here. They were quite willing to let me go.

So, I am going to keep the card. I’m still debating whether to freeze it or just make minor purchases and pay it off right away. They are not getting a penny more from me in finance charges 😉

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  • Reply Brittany |

    I had a similar experience with my mortgage payment. I was out of checks and needed to pay over the phone. I was told I had to do it by 4:00 pm on the 15th. My mail comes around 3:00pm. I recieved my new checks and called the mortgage company. They told me it was too late and that I was supposed to call by 4:00 pm. It was never clarified that it needed to be eastern time. I live in Utah. I was so frustrated! Even though it was partially my fault. I called and spoke with the manager and he removed the additional charge. Well worth putting up a fuss!

  • Reply JD |

    Cut up that card. Close the account. Having multiple credit cards can actually hurt your credit rating. Especially if you are carrying a balance. Credit cards are one of the absolute worst ways to manage debt. If you close the account, you can request that the credit card company show “closed by consumer in good standing” on your credit report.

So, what do you think ?