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Calling Credit Card Companies to Reverse Charges

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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 😉

Technorati Tags: creditcredit+cards

My First Credit Card Late Fee in Years

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One day late. That’s all, just one day late and my credit card with the lowest balance whopped me with a $29.00 late fee.

True, it is my fault it was late – but it was one day! Ugh, all I could do was kick myself. That was $29.00 that could have been used for something else. To top it off – they raised my interest rate by almost 2%! As if the $29.00 wasn’t enough 🙁

I could sit here and write a million excuses why it was late but I won’t because I have to take full accountability for what happened. That sounds so extreme as I write it, but it’s true. When you want something so bad, you have to keep focused and learn from your mistakes.

And learn I did. All of my credit cards now have the ability to schedule payments ahead of time online. And that day – I scheduled ALL of my payments for the month. That is what I am going to do from now on.

Oh – and I am even more pumped to kiss that credit card goodbye! 😉

Technorati Tags: credit+card, debt