Don't feel ya have to actually read this.
Just a little rant to blow off some steam. 8-}
Love y'all! Have a JESUS-filled day! ^i^
So, I'm still wondering... where's the big economic relief? Every time THEY do something 'wonderful' for us, it gets worse. I spent well over an hour on the phone yesterday with J*****r bank about my credit card account. Due to a minor time miscalculation on my part, I went a TINY bit over my limit... for the first time ever. If I had gotten a payment in before finance charges hit, it wouldn't have happened. I have ALWAYS paid more than the minimum and have NEVER been late. So I asked for a one-time customer courtesy waive of the $39 OL fee. Absolutely no way no how would they even consider it. (In the past, they've been much nicer about OOPSes). OK, so I tightened my belt till my bellybutton mashed my backbone and paid more than enough to cover everything before the next statement. Was I surprised to see another $39 OL fee, even though my online statement said I was under the limit. Apparently, on the day between pay- and state-, a monthly deal I forgot to switch came in and ended up pushing me like $6 over. The first outsourced rep was no help at all. I asked to speak to a supervisor. Sorry, the super is busy, but he'll call you back. Been there, done that, still waiting. Finally, I'd had enough and said, 'close the account'. This involved transfer to another rep. Wonder of wonders... an American! She was super-sweet and very understanding, but had no authority to help me out. She was also very wordy and used way too many words to make her point. But that was better than the usual drones, so I listened. She told me exactly how much I needed to pay - by the 20th - to avoid any more problems. Turns out, if I had not paid so much, that one charge would have been denied and it wouldn't have gone OL. >:\ And she gave me the address to send a copy of the email that told me how much I should pay last time to avoid another fee... which I did... HA! Eventually, she transferred me to someone who might be able to reverse the fee now. This person was downright snotty and informed me that not only could she not reverse either OL fee, but even if I made a payment on the spot, I WAS going to have another OL fee. I never did figure that out and after going back and forth for about 10 minutes, I gave up and had her close the account then and there. By the time I hung up, my stomach was in knots and I'm sure my BP was through the roof. I walked outside till the skeeters ran me in, then made a payment, switched the monthly payment that caused the whole problem, printed the email to send them - heaven forbid they take my word or have records of their own correspondence - and plopped myownself in front of the puter with a huge glass of tea. This is the third account I've cancelled - most are raising interest rates to outrageous rates while they can. So, things are better now, right?
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