Dear Friends and Family,
We're not ones to carry a balance on our credit card, so imagine my surprise to find out we've been getting charged finance charges on our primary card. WTF?!?!
It turns out we were late one payment this summer, right when P was born and our internet went down and online banking was the last thing on my mind. Well, since then our "average daily balance" has never reset to zero even if we've paid off our balance each month since. So, the bank keeps sending us the bill for finance charges.
Finally fed up, last month, we paid double our balance so we'd had a negative balance for the month and finally zero out. As Murphy's Law would have it, we still have an average daily balance - almost zero, but not quite. So, we'll be sending in another monster payment this month. On the positive front, our holiday spending will all be covered in this overpayment debacle.
And, how on earth is a normal person supposed to figure this out? And, afford to do this? I'm beginning to hate/distrust large companies more and more. They seem to have lost sight of the altruism that is the social grease that enables the world to function. There's fair profit and there's "unfair" profit. And, we seem to have lost perspective on what that means.
P's up. Off my soap box.
Cheers!
mouse
We're not ones to carry a balance on our credit card, so imagine my surprise to find out we've been getting charged finance charges on our primary card. WTF?!?!
It turns out we were late one payment this summer, right when P was born and our internet went down and online banking was the last thing on my mind. Well, since then our "average daily balance" has never reset to zero even if we've paid off our balance each month since. So, the bank keeps sending us the bill for finance charges.
Finally fed up, last month, we paid double our balance so we'd had a negative balance for the month and finally zero out. As Murphy's Law would have it, we still have an average daily balance - almost zero, but not quite. So, we'll be sending in another monster payment this month. On the positive front, our holiday spending will all be covered in this overpayment debacle.
And, how on earth is a normal person supposed to figure this out? And, afford to do this? I'm beginning to hate/distrust large companies more and more. They seem to have lost sight of the altruism that is the social grease that enables the world to function. There's fair profit and there's "unfair" profit. And, we seem to have lost perspective on what that means.
P's up. Off my soap box.
Cheers!
mouse
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