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      Monday, February 13, 2006


otherstuff
02:29 PM - 02/13/2006

The topic: Damned credit cards

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I just checked the balance for my Disney card, the one that got hijacked.  That $530 charge had been authorized, despite what I was told back on the day it happened.  So, now, we have to fill out the damned affadavit and get it notarized. 

And they started charging us interest.  From the minute there was an amount due at the statement closing.  Not a “previous balance”, but an amount due.  If I charged nothing during the month, had a zero balance all month long, then I charge something on the day before the statement closing, I’ll be hit with a finance charge for the total.  The only way to not get the interest charge is to pay before the closing.  And it takes a couple of days for the payments to clear, even online, so unless we don’t use the card on the last week of their fiscal month, we’ll get hit with a 14.4%  finance charge. This is absolutely unacceptable.

I just sent them an email via the online contact form letting them know I didn’t like this.  Yes, I know that they’re not making money off of us directly if we’re not paying a finance charge, but they do make money from the merchants where we use the card.   It may not be much, but it was more than they’d be making if we didn’t use the card.  Sadly, the rewards points I get aren’t enough to offset the finance charge.  The rewards points are 1%.   Finance charge is 14.4%.  There are promotions, where you don’t get charged for using it for Disney stuff. 

Well, that’s what we originally had planned on using the card for in the first place.  Disney stuff.


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lisaviolet is seventy something, married with no kids, takes care of lots of cats, likes taking photographs, loves Southern California weather and spends altogether too much time avoiding her responsibilities.

In her spare time, she makes pretty things to sell in her store.

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