If you read my blog long enough, you’ll soon realize that I hate credit cards, and I strongly dislike the people that work for credit card companies. I know that they are only doing their job, and I’ll never say that I hate someone unless they kill my first-born child or something, but here is a great example about when you play with snakes, you WILL get bitten.
I paid off a credit card 6 months ago, thinking that I had paid it in full, I closed out the account. I moved soon after that, and forgot about the credit card. Usually I check back up to make sure that I “really did” pay it in full, because credit card companies can be weird about that stuff. Needless to say, there was an extra $50 on the card that hadn’t been paid, and I didn’t know about it, so they sent it to collections. Collections company called me and did their little intimidation thing, and I asked them to send me a bill in the mail. They sent me the bill and I paid it like 3 weeks later. Well, tonight they called me and said they new total was $87, not $68, which I originally paid. Although, they hadn’t cashed the check yet for $68.
I call Citibank and they sit on the phone with me for 30 minutes saying they aren’t going to take a $19 dollar late fee off of delinquent debt. The fee was charged like five days ago. Seriously, this is what credit card companies do. THEY DON’T GIVE A DAMN ABOUT YOU! Seriously, stop playing around with these idiots. You may be the best at paying your bill and being on top of things, but the first time that you screw up, they will take full advantage of it. Just wait and see. Screw them. I will never use a credit card for personal use ever again, and I’ll spend every day of my life telling people why I think credit card companies should go down the tubes, where they belong.
Now, shower me with comments about how I am wrong and credit cards are great financial tools.