Tilted Forum Project Discussion Community - View Single Post

scansinboy · 03-17-2004, 12:30 AM

My story: I have two credit cards, and use one for online purchases only.(Discover) Anyway, I always pay it off in full electronically, but this time it slipped my mind and missed the due date by a day and a half. As a result, I incurred a $25 late payment fee and $9 in finance charges on the balance.

I know it may seem trivial to some, but I pride myself on the fact that the credit card compaies never make any money off of me, since I never carry a balance, and the fact that I slipped up and cost myself nearly $40 that I didn't have to spend just pisses me off. My other CC (Citibank)automatically deducts the full balance from my checking account so I never have to worry about even accidentally forgetting to pay.

My question is, given my history of timely payment and ALWAYS in full, is it worth it to try and ask the CC company to remove (in this case refund, since I sumbitted payment) the late penalty and finance charge? Should I threaten to cancel the account? My credit limit with the Discover card is $7000 and only $3000 with the Citibank.

Any thoughts or input are appreciated.

03-17-2004, 12:30 AM	#1 (permalink)
scansinboy Insane Location: Milwaukee	CC late payment fee refundable? My story: I have two credit cards, and use one for online purchases only.(Discover) Anyway, I always pay it off in full electronically, but this time it slipped my mind and missed the due date by a day and a half. As a result, I incurred a $25 late payment fee and $9 in finance charges on the balance. I know it may seem trivial to some, but I pride myself on the fact that the credit card compaies never make any money off of me, since I never carry a balance, and the fact that I slipped up and cost myself nearly $40 that I didn't have to spend just pisses me off. My other CC (Citibank)automatically deducts the full balance from my checking account so I never have to worry about even accidentally forgetting to pay. My question is, given my history of timely payment and ALWAYS in full, is it worth it to try and ask the CC company to remove (in this case refund, since I sumbitted payment) the late penalty and finance charge? Should I threaten to cancel the account? My credit limit with the Discover card is $7000 and only $3000 with the Citibank. Any thoughts or input are appreciated. __________________ Don't blame me... I voted for Kodos!