I don't mean to bore you guys with my ranting...but I think if I didn't let my steam out I'm going to burst into big flame!!hahaha!!..My hubby always run away when I'm complaining or getting mad...Secondly,I want you guys to learn from the bad experience that I had gone through..
I received a letter from my Discover Credit Card 2 days ago,stating that my case is still under review!!...WTF!!!.
You see,my Discover card statement for Nov transaction came end of DEC 31th 2007..I definitely check every transaction we make in every statement or every card.I notice,why there is Late Payment Charge for $39.00 and $1.00 Finance Charge!!.Then I refer back to previous 2 month statement again.As fast as I can ,I quickly dig into my filing cabinet,looking for Discover file,pull out a statement.I look through my payment date and the amount which I had paid A WEEK before it's DUE.Luckily I have the payment slip from HSBC..I dunno when HSBC buyout Discover Credit Card company but the payment address is PAY to HSBC..that doesn't matter as long as I paid my bill on time,right?....I paid through HSBC branch last few time and have no problem.The reason why I paid through HSBC bank rather than mail in because I have the same problem when I mail in.They said they received my payment late!!..My foot!!We rarely use this card ,so I don't want to register online for payment method..Yeah...by phone payment there is $5.00 surcharge
I quickly call Discover Card customer service,asking why they charge me Late Fee and Finance Charge!!..They told me I have one transaction made on Nov and they didn't received any payment yet.I asked her to verify the amount of my transaction..That woman keep saying $15.00.."what $15.00,you keep referring"?.I see no $15.00 transaction in any of my statement!!.I told her I can only see $29.00 transaction.Oh!! She said that $15.00 is a minimum payment of $29.00 transaction from Amazon..OMG!! that woman is so dumb!!.How can she be the customer service rep,since she can't understand my problem and question??.She even ask me to file dispute with the credit card .I ask her "are you kidding me"..I have to file dispute with my own credit card??.I thought filing dispute is for 3rd party company not my own credit card who took my payment and I have ti file dispute with them!!.
So I request for her supervisor..She reluctant said,"I will handle you,you don't need my supervisor"..What??..No thank you,your supervisor please..She keep going and going... said what if her supervisor ask why I need to speak to her ..I said 'don't worried,I won't blacklist you"....just pass me your supervisor...So here come her supervisor..

I told her I make my payment a week before due date in HSBC brand.I have my payment slip with me now.But she told me their computer doesn't show that I make the payment.Ok...Then she ask me....what type of method I use to paid.I use hubby check.So she want me to give her the check number...OK..I quickly go online to hubby checking account but unfortunately that day every bank was updating end of year summary.Hubby bank was offline for hours..So she ask me to send her the clear check and the payment slip..In return she waived the $39.oo late fee but not $1.00 finance charge.She said until she received the payment she will consider waiving the finance charge.....I told her to make sure the late payment report doesn't go to my credit score or FICO score!.
Ok...that settle..the next day I download the cleared check and I notice the date that check was clear is one day before it's due by both bank.I send all the request documents by fax ASAP.But it's doesn't matter..Whenever,the date I make payment at the bank,it's consider the payment as that date on the time and date stamp.I lecture hubby left and right!!.I asked him thousand time do not use Discover Credit Card anymore..just use one card that CITI Card!!..he bought his toy in Amazon for $29.00 and now we have to pay late fee for $39.00!!.He said he forget to change his credit card numbers in his Amazon account..You know,right now all this online store would keep your credit card number in their file,so when you make any purchase ,you just need to click,no need to enter all the 16 digit number again.
That the reason,I was so furious and piss!!...dealing with this kind of shit!!..After so many weeks,they send me a letter stating ,"your case is under review,we will contact you once our investigation complete"..what the hell happening to this credit card company!!.First,they received my payment before it's due and second they still keep saying I didn't make the $29. payment until today.I call the automatic number to check my balance,the $29.00 is still there.No wonder Suzu Orman said every credit card company out there try every dirty trick to default you,so that you can pay higher them interest rate !!.I'm not going to pay for the mistake they make.I 'm going to that HSBC branch now.I had make my payment with them and now I wanna to clarity this matter ASAP..I have to settle this problem before I leave for my vacation...my hubby is hopeless dealing with this kind of matter and furthermore that card is in my name.Credit card company only talk to the Primary card holder not supplement card holder..
oh!!...I have a feeling something will come out bad....until I leave for my vacation ...oh!! geramnya..my blood is raising and my head is spinning...with long thing to do list..