Sticking it to ‘da man

13 07 2009

While I was away on my business trip last month, hubby gets a call from one of our credit card companies (starts with a c and has i-t-i in its name) telling him we need to set up a payment plan.

…(insert befuddled expression here)…

Hubby proceeds to tell them they are wrong, thinking it is a phony call, and hangs up on them. He then calls me out in California.  I call them and inquire as to what is going on.   They say we owe them $20 and want a payment plan.  I’m totally confused, as I pay the bills the day they show up – apparently we didn’t get a bill.  Being out of town and on an unsecured wifi connection, I can’t pay till we get home.  The guy on the other end of the phone offers to take a $15 payment in order to take my $20 over the phone, which I refuse to do – that is absolutely insane.

They proceed to freeze our credit card…

While I’m out of town…

Imagine the excitement…

After I get home, I find out that the bill was much larger than the $20 (try 30X bigger) – obviously, based on my payment history, either the bill never made it to my house or something caused the bill not to get paid.  It certainly wasn’t for lack of funds that the bill got missed – I don’t deny that the bill was mine, nor do I even object to the late fee – I just object to how the company handled the issue.

Fine, I pay it in full.

Collectively, hubby and I agree that we will not be using that card anymore.  We were loyal customers for over 9 years, and they’ve treated us badly, therefore they don’t deserve our business.

We sign up hubby for a secondary card on another account with another company, and every thing is right in the world, at least in his mind.

Me….  I know better.

I remember our rewards points on the Evil Empire’s card, that the fine print said would disappear if the card was cancelled.  They total over 56,000 since this was a card I used for business travel for a very long time.  So, I peruse their choices, thinking I would get a bunch of gift cards.  Ummmm, not happening, as I was not interested in most of the companies they offer – they used to have Target, but no longer.  So…  I start looking at electronics.

Well, in the end, I got a Nintendo Wii, Disney Dance-Dance Revolution, and another game, with only 200 points to spare.   Thank you evil empire for the lovely electronics – Glitter Glue Princess really enjoys Dance Dance, thanks to your poor handling of the situation.

Now the debate looms as to what removing this credit card will do to my excellent FICO score.  It will probably just sit in a drawer till I decide.

And now, we are off to go buy accessories for the lovely new Wii!  🙂




One response

13 07 2009

that would be infuriating. from what i understand, canceling a card adversely affects your credit score. seems stupid to me. what if i don’t want 15 different credit cards?

anyway, we have one card that is rapidly falling out of favor due to customer service issues. on a positive note, i got a call from another cc company because we booked two trips in a matter of a few days, one being the trip to mexico. we also happened to buy a lot of stuff that weekend. they wanted to be sure it was really us making these charges. nice to know they track that kind of stuff…. a little creepy too… big brother is watching…

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