Obviously you have to pay your credit card off each month or you will suffer an intrest charge which is going to kill your bank book and plunge you farther into debt. Well, I missed a paymet by a couple of days over the holidays. I payed my card off in full as I said a couple of days past the deadline.
Today I got my bill and was tagged for a $30 interest charge. I called to find out why when I had payed it off in full a couple of days later. Here is how the conversation went:
Credit Card Girl: Why were you late?
Me: Why did I get out of bed today, I have no idea.
Credit Card Girl: You don't know why you missed a payment?
Me: It was in December, I don't recall how I got home Saturday night let alone what happend in December. You know what, cancel the card.
Credit Card Girl: Well sir, I am just trying to find out why you missed your payment.
Me: Little Grey men showed up in a ship and took me to their home planet and they didn't have an ATM. I had to wait until I got back to Earth to make a payment.
Credit Card Girl: I will reverse the charge sir. Make sure you make your payment each month.
Me: Thanks.
If you are missing payments every month then they aren't going to help you but if you miss one call and see if they reverse it for you. It's worked for me a couple of times.
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