Late arriving Cellular Bill - Am I culpable?

[raytseng]

Originally Posted By: SumpChump
No offense taken, just a sad comment on our society.

No I didn't assume there was no fee. Of course, C'mon man.LOL

I just think it's rediculous that I should write a check and "throw it like a dart" at the maybe probably amount I owe maybe probably when I owe it. That's nuts. Regulatory fees go up and down, people change packages ... stuff like that. Bill change. Just sending a good guess check isn't a healthy mode of doing business in my role as a consumer. I expect a bill and I expect that I get them the exact amount exactly by (before) the due date. It cut and dried stuff. It simple business. Present a bill, figure out why it didn't get to me if it didn't and the. Start the clock running on me.

I firmly beleive a clock should be runnin on me when a bill is presented. Heck I'm even ok with the already slightly I'll idea of it punting mail time as part of its time "in my hands" but that's ok with me. If it makes
It to me.

Bottom line, the service providers job includes successful presentation of a bill, which I fully expect. Give me a bill and I pay it. But... Give me the bill!

To extend this thinking. If I do online retrieval of my bill and THEIR server is down... It's MY job to call their cloud provider? That the logic being used here but with paper.

Rediculous.


well, on the other hand, what you maybe forgetting is the whole service is running on YOUR CREDIT.
They have advanced you a service and credit for said service, and you are paying in arrears.

When you fail to pay, and exceed your state limits for lateness/grace period, then the creditor reserves the right to report a failure to pay to the credit agencies regardless of if you got a paper bill or not. Dings like this are all going to be automated.

It is not possible to tell if your mail got stolen or lost and it was your fault.

It's like running up a big credit card bill. If you never got a statement for whatever reason, that doesn't let you off the hook.

So...no big whoop, go ahead and play hardball with this one service-if you are OK with living in our society without a good credit score.

However, everybody needs credit to get the best deals and promotions on things. If you ruin your credit score, you will find in the FUTURE you will then get denied the best plans such as signing up for a new celllphone plan or car loan or whatever; and will only be allowed to prepaid phones where indeed you are paying in advance and they cut you off when your balance has hit $0.

Indeed it makes sense. The credit records will show you're a hard customer who late pays if there is a mix up with the statement; compared to a "good" customer who pays on time even if they don't get a statement. If you enjoy playing hardball like that, you are riskier/more expensive to lend money to.

 

[gathermewool]

Originally Posted By: SumpChump
Originally Posted By: gathermewool
Your OP stated that you don't want to any posts about auto-payments, but I've got to ask why. I have every single bill that I can on auto-pay. I usually pay credit card bills off in full every two weeks, when I get my pay check, and review auto-pay bills, like my cell phone bill, as soon as I receive the email.

The email not only reminds me to check to ensure everything looks right, but it also has the bill amount, which should look the same every month.


I really didn't want to get into paper versus paperless which gets into internet access which gets into rural versus urban which gets into economi classes which gets into politics which isn't allowed here.

BUT. Since only one poster has acknowledged the actual crux of the issue (Shouldn't a business ensure it makes it to my door as I am obligated that it makes it to their door)

LETS SPIRAL into a eventually fruitless (because of all the above litany of related societal issues) discussion of the super essential issue to all of this of... "Why don't I jest authorize them to take money out of my account ...poof!

Here goes...
I don't know your life situation so I will only speak of mine. I prefer the control and process which paper affords. Bottom line. And THAT is a choice my neighbor does not have. For him it is the way he gets his core utility bills.

So to list a few more:
1. Because the offer it. Yep, you offer to GET me a bill by paper, then it's a choice I can select and you the business should fulfill or not offer.
2. It provides me a manner with which I prefer for handling my books.
3. Because I beleive that I DECIDE when an what goes out of my account. Not a computer, not me of sound mine three months ago, not me of early onset Alzheimer's two years ago, not me who got a super convincing phishing phone call or email, not me with my nephew who "showed me how to do it" online and then whom makes bad life choices and gets into my accounts. ME today. That's who decides what leaves my account.
4. Computers make mistakes and it takes ALOT of phone calls to stop a process once it's rolling. The billing systems are like attack dogs, once there's an error and a computer records it as normal... You're word is toast. Hours of calls with the last four of your social security number please.
5. The direct deposit, which for many people get their paycheck money in from which to pay the bills, can fail falter or error. It has happenedto a family member of mine , who works for a Computer company. What then happens is all the perfectly functional auto withdrawals keep sucking at the teat of your account which no posts in default.

Bottom line.. I et paper because it's offered and I want it. See above.
And if their server should be expected to actually deliver a readable series of digits on your screen .... Then nobody's going to convince me that I don't have the right to expect readable digits on paper in my hand.


It kind of seems that, by getting so worked up over this, you've effectively lost control. What control would paper provide, anyway? I get your argument, but I don't get the motivation for it.

1. Auto-pay: If they charge me too much I'll call them and they'll fix it. This has happened, and it has been fixed every single time, without fail.

If VZW does not fix it, I'll call my credit card company and trust that they will take on my case.

If worse comes to worst I'll escalate appropriately.

2. Server: If their server is down they'll delay billing, since most people, including myself, have e-billing and paperless billing. This has happened in the past, and it has worked.

If you pay your bill on time, every time, they will cut you plenty of slack, and things will be fine.

3. Phone: I receive an email for my bill well before the payment is due. If the server was down and if any other hiccups prevented me from electronically paying my bill then I'd do it over the phone.

4. AUTO-PAY!!! Why would I need to worry about the servers, any phone calls or anything at all??? My bill is payed automatically, well before it is due. It's literally idiot-proof, so long as I keep sufficient funds in my checking account.

//

I'm sorry to say it, SumpChump, but it's pretty obvious no one here agrees with you, because there's no real logic to your argument (your analogies don't even make sense.) We sheeple like to waste as little time as possible on things that don't matter, so auto-bill-pay, online payments, and paperless invoices are the way to go. Not only that, but there are two lesser thought about benefits:

1. Personally identifiable information: The less paper being sent to me with sensitive information, the better. I know my info is probably being bought and sold constantly, but I still take precautions: I shred every piece of paper I receive in the mail that has my information on it, such as credit card offers and other promotions.

2. Tracking: Case in point for this entire thread: I receive an email when my bill is due, and then another email saying that I paid it. Sending in a check, when you do you figure out that your bill is in good standing? When an extra charge (and associated fees and penalties) is listed on your NEXT bill?

 

[SumpChump]

Originally Posted By: fsskier
Autopay. Autopay. Autopay.

Yes gas, water, phone, electric, even my credit card is on autopay.

Simplify life when possible and take more time to smell the roses....or go fishing!


Yes yes simplify. 10minutes to write out a paper check for bills takes too much time. Simplify, let us take money right out of your account. We promise we won't up your package price quietly. Well be sure to inform you that your 3montjs free trial has expired. Just let us take it out quietly. And if there's an error, which will never happen to you, because hey it's never happened to your friends... You could call and our representative will explain how our charges were correct and how you are mistaken.

Yes simplify. Release control of your money. Do whatever you can so you are less aware of your fees. Let
Loose your finger from the pulse of your finances.

And the best thing is when you croak, which will never happen to you... We have your implied preauthorization to deduct until an executor of your estate proves you weren't even alive to see the 3 years of cable feed
being auto billed and withdrawn.

And soon well offer you of sound mind at age 25 the choice to set your healthcare fee limit ceiling after which you determined at age 25 what "quality of life" meant and when you preauthorize care to be withheld from yourself. And doing so will allow us to provide you a savings of $50 a month until age 45 for you to use enjoying your youth. While you are "viable".

Yes, please do. AUTO is the answer, just relax. After all your life is so busy carrying water, tending your cattle and making candles.

Slippery slope man. Just let ONE bill get out of order or quietly upgraded or a direct deposit miscue. Hours saved become hours on the phone begin and explaining how you "thought a guy named Mike K. At the Atlanta call center had this all cleared up".

 

[SumpChump]

Originally Posted By: raytseng
Originally Posted By: SumpChump
No offense taken, just a sad comment on our society.

No I didn't assume there was no fee. Of course, C'mon man.LOL

I just think it's rediculous that I should write a check and "throw it like a dart" at the maybe probably amount I owe maybe probably when I owe it. That's nuts. Regulatory fees go up and down, people change packages ... stuff like that. Bill change. Just sending a good guess check isn't a healthy mode of doing business in my role as a consumer. I expect a bill and I expect that I get them the exact amount exactly by (before) the due date. It cut and dried stuff. It simple business. Present a bill, figure out why it didn't get to me if it didn't and the. Start the clock running on me.

I firmly beleive a clock should be runnin on me when a bill is presented. Heck I'm even ok with the already slightly I'll idea of it punting mail time as part of its time "in my hands" but that's ok with me. If it makes
It to me.

Bottom line, the service providers job includes successful presentation of a bill, which I fully expect. Give me a bill and I pay it. But... Give me the bill!

To extend this thinking. If I do online retrieval of my bill and THEIR server is down... It's MY job to call their cloud provider? That the logic being used here but with paper.

Rediculous.


well, on the other hand, what you maybe forgetting is the whole service is running on YOUR CREDIT.
They have advanced you a service and credit for said service, and you are paying in arrears.

When you fail to pay, and exceed your state limits for lateness/grace period, then the creditor reserves the right to report a failure to pay to the credit agencies regardless of if you got a paper bill or not. Dings like this are all going to be automated.

It is not possible to tell if your mail got stolen or lost and it was your fault.

It's like running up a big credit card bill. If you never got a statement for whatever reason, that doesn't let you off the hook.

So...no big whoop, go ahead and play hardball with this one service-if you are OK with living in our society without a good credit score.

However, everybody needs credit to get the best deals and promotions on things. If you ruin your credit score, you will find in the FUTURE you will then get denied the best plans such as signing up for a new celllphone plan or car loan or whatever; and will only be allowed to prepaid phones where indeed you are paying in advance and they cut you off when your balance has hit $0.

Indeed it makes sense. The credit records will show you're a hard customer who late pays if there is a mix up with the statement; compared to a "good" customer who pays on time even if they don't get a statement. If you enjoy playing hardball like that, you are riskier/more expensive to lend money to.


And here's the best thing.... Or... Is it the sickest?

If YOU actually really mail your check payment and the USPS looses it. Guess what ... The forgiveness that applied to their "oops or" not getting a bill to you becomes "default"
And late charges if your mail doesn't make it there. Double
Standard! Explain how that is "right".

Btw, your one of several who have assumed or mentioned that I am not paying that I am playing hardball with them. You did not read the post. I called THEM and I an TRYiNG to PAY. So much so that my patterned brain wen had the thought.." Must pay must pay". And this I caught the mailing delay. PLEASE stop insinuating I am withholding payment am in default already am trying to get way with something.


I mean really , read the post. I called THEM.

 

[sir1900]

It's 2015. Go with paperless billing. Access your bill online and pay online.

As to whether or not you are culpable, the answer is more than likely yes.

 

[SumpChump]

Originally Posted By: gathermewool
Originally Posted By: SumpChump
Originally Posted By: gathermewool
Your OP stated that you don't want to any posts about auto-payments, but I've got to ask why. I have every single bill that I can on auto-pay. I usually pay credit card bills off in full every two weeks, when I get my pay check, and review auto-pay bills, like my cell phone bill, as soon as I receive the email.

The email not only reminds me to check to ensure everything looks right, but it also has the bill amount, which should look the same every month.


I really didn't want to get into paper versus paperless which gets into internet access which gets into rural versus urban which gets into economi classes which gets into politics which isn't allowed here.

BUT. Since only one poster has acknowledged the actual crux of the issue (Shouldn't a business ensure it makes it to my door as I am obligated that it makes it to their door)

LETS SPIRAL into a eventually fruitless (because of all the above litany of related societal issues) discussion of the super essential issue to all of this of... "Why don't I jest authorize them to take money out of my account ...poof!

Here goes...
I don't know your life situation so I will only speak of mine. I prefer the control and process which paper affords. Bottom line. And THAT is a choice my neighbor does not have. For him it is the way he gets his core utility bills.

So to list a few more:
1. Because the offer it. Yep, you offer to GET me a bill by paper, then it's a choice I can select and you the business should fulfill or not offer.
2. It provides me a manner with which I prefer for handling my books.
3. Because I beleive that I DECIDE when an what goes out of my account. Not a computer, not me of sound mine three months ago, not me of early onset Alzheimer's two years ago, not me who got a super convincing phishing phone call or email, not me with my nephew who "showed me how to do it" online and then whom makes bad life choices and gets into my accounts. ME today. That's who decides what leaves my account.
4. Computers make mistakes and it takes ALOT of phone calls to stop a process once it's rolling. The billing systems are like attack dogs, once there's an error and a computer records it as normal... You're word is toast. Hours of calls with the last four of your social security number please.
5. The direct deposit, which for many people get their paycheck money in from which to pay the bills, can fail falter or error. It has happenedto a family member of mine , who works for a Computer company. What then happens is all the perfectly functional auto withdrawals keep sucking at the teat of your account which no posts in default.

Bottom line.. I et paper because it's offered and I want it. See above.
And if their server should be expected to actually deliver a readable series of digits on your screen .... Then nobody's going to convince me that I don't have the right to expect readable digits on paper in my hand.


It kind of seems that, by getting so worked up over this, you've effectively lost control. What control would paper provide, anyway? I get your argument, but I don't get the motivation for it.

1. Auto-pay: If they charge me too much I'll call them and they'll fix it. This has happened, and it has been fixed every single time, without fail.

If VZW does not fix it, I'll call my credit card company and trust that they will take on my case.

If worse comes to worst I'll escalate appropriately.

2. Server: If their server is down they'll delay billing, since most people, including myself, have e-billing and paperless billing. This has happened in the past, and it has worked.

If you pay your bill on time, every time, they will cut you plenty of slack, and things will be fine.

3. Phone: I receive an email for my bill well before the payment is due. If the server was down and if any other hiccups prevented me from electronically paying my bill then I'd do it over the phone.

4. AUTO-PAY!!! Why would I need to worry about the servers, any phone calls or anything at all??? My bill is payed automatically, well before it is due. It's literally idiot-proof, so long as I keep sufficient funds in my checking account.

//

I'm sorry to say it, SumpChump, but it's pretty obvious no one here agrees with you, because there's no real logic to your argument (your analogies don't even make sense.) We sheeple like to waste as little time as possible on things that don't matter, so auto-bill-pay, online payments, and paperless invoices are the way to go. Not only that, but there are two lesser thought about benefits:

1. Personally identifiable information: The less paper being sent to me with sensitive information, the better. I know my info is probably being bought and sold constantly, but I still take precautions: I shred every piece of paper I receive in the mail that has my information on it, such as credit card offers and other promotions.

2. Tracking: Case in point for this entire thread: I receive an email when my bill is due, and then another email saying that I paid it. Sending in a check, when you do you figure out that your bill is in good standing? When an extra charge (and associated fees and penalties) is listed on your NEXT bill?


You pay with credit card for daily weekly monthly bills!? LOL.

You think that PAPER is how identification gets stolen?! How old fashioned.. It's hacking databases. Tots tally faulty point.

"It's pretty clear nobody agrees with me"... very 7th grade logic. LoL. "Everybody was smoking at the party
mom" sheesh.

 

[dishdude]

Originally Posted By: SumpChump


"It's pretty clear nobody agrees with me"... very 7th grade logic. LoL. "Everybody was smoking at the party
mom" sheesh.



Yep, everybody else is wrong and you're right. It's not you, it's them.

 

[raytseng]

well, seems like this thread devolved quick.

Are there any unanswered questions, because it seems like this thread is just you defending your position rather then wanting feedback from others

 

[daves87rs]

CHANGE TO SURVIVE.

If my 87 year old neighbor can pay all her stuff online, and skype with the grandkids, anyone can figure it out if they try.


When it comes to businesses, like life, their are no excuses....


Pop might have been a bit harsh, but it's a good point...

 

[SumpChump]

Originally Posted By: raytseng


So...no big whoop, go ahead and play hardball with this one service-if you are OK with living in our society without a good credit score.

However, everybody needs credit to get the best deals and promotions on things. If you ruin your credit score, you will find in the FUTURE you will then get denied the best plans such as signing up for a new celllphone plan or car loan or whatever; and will only be allowed to prepaid phones where indeed you are paying in advance and they cut you off when your balance has hit $0.

Indeed it makes sense. The credit records will show you're a hard customer who late pays if there is a mix up with the statement; compared to a "good" customer who pays on time even if they don't get a statement. If you enjoy playing hardball like that, you are riskier/more expensive to lend money to.


Man are you dense? I never said I wasn't paying. I called them WANTING to PAY. I'd seriously like to know how you got to that understanding. Utterly thoughtless. Clearly didn't read the original post.

And as far as credit score goes. Let's talk about credit indeed. I, a customer of 15 years with around $18,000 of spotless on time payments to this company calls about a missing bill ....and you are saying this does and should label me as "a hardball credit risk". Seriously .. Answer me YES or NO. Go ahead.

Good luck on your voyage back to Pluto.

 

[daves87rs]

Originally Posted By: raytseng
well, seems like this thread devolved quick.

Are there any unanswered questions, because it seems like this thread is just you defending your position rather then wanting feedback from others


That's because you have to step up when others don't...


I had to remind my mortgage company to send me my bill a few months ago...but I still paid on time anyways.

You also have to remember that some companies want you to screw up.....it's called more profit.....

 

[dishdude]

Originally Posted By: SumpChump
Originally Posted By: raytseng


So...no big whoop, go ahead and play hardball with this one service-if you are OK with living in our society without a good credit score.

However, everybody needs credit to get the best deals and promotions on things. If you ruin your credit score, you will find in the FUTURE you will then get denied the best plans such as signing up for a new celllphone plan or car loan or whatever; and will only be allowed to prepaid phones where indeed you are paying in advance and they cut you off when your balance has hit $0.

Indeed it makes sense. The credit records will show you're a hard customer who late pays if there is a mix up with the statement; compared to a "good" customer who pays on time even if they don't get a statement. If you enjoy playing hardball like that, you are riskier/more expensive to lend money to.


Man are you dense? I never said I wasn't paying. I called them WANTING to PAY. I'd seriously like to know how you got to that understanding. Utterly thoughtless. Clearly didn't read the original post.

And as far as credit score goes. Let's talk about credit indeed. I, a customer of 15 years with around $18,000 of spotless on time payments to this company calls about a missing bill ....and you are saying this does and should label me as "a hardball credit risk". Seriously .. Answer me YES or NO. Go ahead.

Good luck on your voyage back to Pluto.



So what's the point of this thread? Pay what you owe and move on.

 

[SumpChump]

Originally Posted By: daves87rs
CHANGE TO SURVIVE.

If my 87 year old neighbor can pay all her stuff online, and skype with the grandkids, anyone can figure it out if they try.


When it comes to businesses, like life, their are no excuses....


Pop might have been a bit harsh, but it's a good point...



Right! No no don't serve the customer. Don't provide personable service ...nope .. DEMAND CHANGE. Here's the funny thing , THEY offer paper billing. They aren't demanding change. Your defending something that isn't an issue here. LoL. I'm flabbergasted at how many intelligent people can't see that this isn't about online billing .
It was about a company telling me that they dot have to get stuff to me in the mail on time but I do to them.

So sad, not even on topic. Just the old new versus old blinding fog drawing you off topic.

 

[sir1900]

Originally Posted By: SumpChump
Originally Posted By: daves87rs
CHANGE TO SURVIVE.

If my 87 year old neighbor can pay all her stuff online, and skype with the grandkids, anyone can figure it out if they try.


When it comes to businesses, like life, their are no excuses....


Pop might have been a bit harsh, but it's a good point...



Right! No no don't serve the customer. Don't provide personable service ...nope .. DEMAND CHANGE. Here's the funny thing , THEY offer paper billing. They aren't demanding change. Your defending something that isn't an issue here. LoL. I'm flabbergasted at how many intelligent people can't see that this isn't about online billing .
It was about a company telling me that they dot have to get stuff to me in the mail on time but I do to them.

So sad, not even on topic. Just the old new versus old blinding fog drawing you off topic.


Why don't you try and locate your cellular contract and read the terms of service agreement? I'm sure there is something about you still having to pay your bill on time even if it doesn't arrive in a timely fashion due to a postal strike or delay beyond the control of the phone company.

 

[SumpChump]

Originally Posted By: dishdude


So what's the point of this thread? Pay what you owe and move on.


The point of the thread was in the first post. They get a fee pass on a late bill arrival yet won't make allowance for the same delay on my payment to them. Not my LATE payment , my payment being pushed LATE as I wait for their billing statement to be resent! Get it! Read it! Get it! Thir reprinted statement will cause MY reply payment to be late in returning. Not my delinquency vagrancy I'll will etc.

 

[SumpChump]

Originally Posted By: sir1900
Originally Posted By: SumpChump
Originally Posted By: daves87rs
CHANGE TO SURVIVE.

If my 87 year old neighbor can pay all her stuff online, and skype with the grandkids, anyone can figure it out if they try.


When it comes to businesses, like life, their are no excuses....


Pop might have been a bit harsh, but it's a good point...



Right! No no don't serve the customer. Don't provide personable service ...nope .. DEMAND CHANGE. Here's the funny thing , THEY offer paper billing. They aren't demanding change. Your defending something that isn't an issue here. LoL. I'm flabbergasted at how many intelligent people can't see that this isn't about online billing .
It was about a company telling me that they dot have to get stuff to me in the mail on time but I do to them.

So sad, not even on topic. Just the old new versus old blinding fog drawing you off topic.


Why don't you try and locate your cellular contract and read the terms of service agreement? I'm sure there is something about you still having to pay your bill on time even if it doesn't arrive in a timely fashion due to a postal strike or delay beyond the control of the phone company.


So a person is suppose to kind know what amount they should pay and kinda estimate increases in regulatory fees and kind estimate package increases? Craziness. They deserve a bill. What is going on here!? You're the customer they serve not their sheep so blessed to owe them money that you just guess and throw it at them. Cut and dried.... You give me a bill and I pay it. I don't get it, I call of courtesy and you send it and make accommodations for the delay. Laws of physics, travel takes time.

 

[sir1900]

Originally Posted By: SumpChump
Originally Posted By: sir1900
Originally Posted By: SumpChump
Originally Posted By: daves87rs
CHANGE TO SURVIVE.

If my 87 year old neighbor can pay all her stuff online, and skype with the grandkids, anyone can figure it out if they try.


When it comes to businesses, like life, their are no excuses....


Pop might have been a bit harsh, but it's a good point...



Right! No no don't serve the customer. Don't provide personable service ...nope .. DEMAND CHANGE. Here's the funny thing , THEY offer paper billing. They aren't demanding change. Your defending something that isn't an issue here. LoL. I'm flabbergasted at how many intelligent people can't see that this isn't about online billing .
It was about a company telling me that they dot have to get stuff to me in the mail on time but I do to them.

So sad, not even on topic. Just the old new versus old blinding fog drawing you off topic.


Why don't you try and locate your cellular contract and read the terms of service agreement? I'm sure there is something about you still having to pay your bill on time even if it doesn't arrive in a timely fashion due to a postal strike or delay beyond the control of the phone company.


So a person is suppose to kind know what amount they should pay and kinda estimate increases in regulatory fees and kind estimate package increases? Craziness. They deserve a bill. What is going on here!? You're the customer they serve not their sheep so blessed to owe them money that you just guess and throw it at them. Cut and dried.... You give me a bill and I pay it. I don't get it, I call of courtesy and you send it and make accommodations for the delay. Laws of physics, travel takes time.


With all due respect, you clearly don't get it. Have a great rest of the weekend.

 

[cb_13]

Originally Posted By: cb_13
I had a similar issue with Capital One. One day they just decided to send my credit card bill to an old address of mine. I called because I knew it was past time that I should be paying my bill. They told me the address they sent it to and I told them that was wrong and why did they change it when I had not asked them too. They did not know why it was changed but waived the late fee since I contacted them in a timely manner. They then sent the bill to the wrong address again the next month, after supposedly correcting it in their system. So I paid what I owed for that month and canceled my card.

SumpChump I recommend using the same method I did. Pay what you owe. As it seems you are already trying to do. Then if they cannot correctly send you a bill as you want move to another provider. You as the customer have a right to spend your money where you want with whoever treats you as you want to be treated.

In regards to paying monthly bills with a credit card I always do that. I have had a credit card since I was 18 and NEVER carried over a monthly balance. I know Dave Ramsay swears they are the devil but I get cash back rewards and have paid no interest or annual fees ever. I use it the same as a debit card is intended. If I don't have the money to pay for something I don't buy it.

 

[SumpChump]

Originally Posted By: daves87rs
Originally Posted By: raytseng
well, seems like this thread devolved quick.

Are there any unanswered questions, because it seems like this thread is just you defending your position rather then wanting feedback from others


That's because you have to step up when others don't...


I had to remind my mortgage company to send me my bill a few months ago...but I still paid on time anyways.


You also have to remember that some companies want you to screw up.....it's called more profit.....


FINALLY, somebody who sees at least as it is. And isn't claiming I was jerking them around. Thank you for not insinuating that I wasn't paying them. I was the one calling THEM! I swear nobody's reading my original post.

 

[SumpChump]

Originally Posted By: cb_13
Originally Posted By: cb_13
I had a similar issue with Capital One. One day they just decided to send my credit card bill to an old address of mine. I called because I knew it was past time that I should be paying my bill. They told me the address they sent it to and I told them that was wrong and why did they change it when I had not asked them too. They did not know why it was changed but waived the late fee since I contacted them in a timely manner. They then sent the bill to the wrong address again the next month, after supposedly correcting it in their system. So I paid what I owed for that month and canceled my card.

SumpChump I recommend using the same method I did. Pay what you owe. As it seems you are already trying to do. Then if they cannot correctly send you a bill as you want move to another provider. You as the customer have a right to spend your money where you want with whoever treats you as you want to be treated.


In regards to paying monthly bills with a credit card I always do that. I have had a credit card since I was 18 and NEVER carried over a monthly balance. I know Dave Ramsay swears they are the devil but I get cash back rewards and have paid no interest or annual fees ever. I use it the same as a debit card is intended. If I don't have the money to pay for something I don't buy it.


"If they can't correctly send you a bill"

Yesssss! Thank you!

THANK YOU! You got what I was saying.

Oh and my folks do the points thing too. Nothing wrong with that.
Kudos to you for having the fortitude to keep them paid off.

Side note, I actually heard that in a sick way that can be bad for credit. Because it shows open balance potential liability. Basically a debt load you could in a snap accrue if your good habits falter. Weird way of thinking by the credit bureaus.