dear visa...

PrairieMom wrote: dear visa card call center,
you aren't fooling me. You tried hard, but i can tell the difference between and automated system and an actual person. I am not amused with the fact that there is a $10 processing fee for me to pay my bill over the phone. I am not amused that your computer system has locked me out, and I am not amused at your paperless system which will not be sending me a bill, now leaving me unable to pay.
Please feel free to raise my interest rate, as I will be canceling my card just as soon as i can figure out how to do that with your super messed up, un-user friendly system.
XOXO
Tara

cameragirl21 replied: you can't pay online? I make all my payments online.
I never pay over the phone, I am NOT paying them money to take mine.

TheOaf66 replied:
sounds like Discover

Dear Mr Troy,

We do apologize that we did not post your payment for the correct day even though you paid online. Due to the time zone differential and the volume of payments you were considered late. We regret to inform you that you will be paying through the nose now and in the future please take our chain jerking in stride and make your payments earlier. We know that you have only used our card for a balance transfer and never use it for purchases but we appreciate your business. If you could please hold, bend over and grab your ankles, we will progress through the rest of our business relationship.

signed:

Discover "You pay us to discover"


*The above message was put into my own words*

coasterqueen replied:

My2Beauties replied:

PrairieMom replied:
i CAN, but they locked my account because I entered the wrong password. The lady on the phone told me my user ID is something its not, It makes sense, but thats NOT what it is, KWIM, I KNOW what the ID and Password are, it just won't let me in. I need a PIN to change my password, and I don't have one of those either.

PrairieMom replied:
I just called and cancelled my Discover account. Nice to have them out of my life. THANKYOU DAVE RAMSEY!!!

Swood75 replied: Sounds like the cc companies are getting VERY greedy (well,more than they already were)..My mom had a VIsa (I believe that is what it was) had had it for many years with a low apr (never been late making a pmt etc) and they sent her a letter saying they were upping her apr effective (which ever month they said)this year due to them losing $$ from people not paying their bills etc and had the nerve to get upset that she was cancelling her acct with them..

grapfruit replied:
If you have a bank that will do free online bill payment you can pay for free and it should be there by next business day....depends on what bank you're w/though..... A thought?

A&A'smommy replied:
Dave Ramsey ROCKS!!!!! We are now doing his class and we "graduate" in two weeks. Did you do the class?

I HATE credit cards

PrairieMom replied:
We did the class and just finished the baby step where you have 6 months living expenses in the bank. We just re-financed the house, so as soon as that is all settled we will be working on that.

A&A'smommy replied:
CONGRATS thats a big baby step!!! We are still on baby step 1 hopefully we will get that done in another month or so

PrairieMom replied:
Thankyou. We worked hard at it for about 15 months, then did a little dance when we finally made it to our goal. Its crazy to think of having that amount of $ in the bank, and it really does give you a huge sense of relief.