I used my credit card and bought, say, $100 dollars of stuff. I then owed the cc company $100. This is pretty easy.
I sent them a cheque towards the end of the owe time and before they sent me one of those 'we will come and take your firstborn and your camper van if you don't pay us RIGHT NOW!!' (BTW here is a survey asking how many children you have/are planning on having, ta) type letters. Which they usually send a 1 day after the 'ha-ha you didn't pay us on time now you owe us $35 as well' letters.
So I paid up.
Next month my cc bill is $1.27.
Why? I say to myself, do I owe $1.27. I am not writing a cheque for 1.27 that's stupid.
I ignore bill (which I freely accept is also stupid)
Next month I get bill for $36.27 which was inevitable. I sigh and send cheque for $36.27.
Next month I get bill for $1.00
I am exasperated and ignore bill for a good while and eventually send the cc company cheque for $36 because I figure they are charging me interest or something and I am in a loop. Also I have probably left it too late again and they charged me.
As it turns out they didn't. So there I am with a nice little buffer so that this interest or whatever comes off the balance when I pay the amount that is ACTUALLY charged me each time.
This seems to flummox the cc for a while and all is quiet.
Last week I got a bill saying that for some reason the cc couldn't work out I had a credit on my cc account and they were refunding it.
I rang them and said 'oi I didn't ask you to do that feck off!'
Oh no they said we didn't do nuffin you still have a $34 credit and you don't owe anything. You adorably useless to us person you...
'Right' says I (slightly mollified) 'OK while I am on the phone how-comes you keep holding me up for fiddling small change? Is it a scam so I will end up paying late fees?'
'Oh NO' they say like a maiden Victorian aunt turning down a proposition, 'we would never do something like that! How improper! '
We are charging you for paying by cheque.
And where does it say that on the bill?
Oh it doesn't, we assumed you knew. Look the consumer protection agency is preventing us from raising your interest rate to whatever we feel like if you miss one payment, we are only allowed these days to take one of your children in payment on a missed deadline. AND we have to tell you we are going to do that - in less than a page of small print - that is legible - and doesn't need to be translated from Sanskrit. You have to allow us a little fun!
*sigh* sure, OK whatever. And you haven't refunded my buffer money?
Nope.
OK can we help any other way.
No thank you.
Have a nice day!
Hmpf, you too, I guess.....
Two days later I get the refund cheque in the post.
.
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