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I have two credit cards now, both with a max limit of $200, both with the same company (whose name I won't say, but whose commercials involve a bunch of pillaging barbarians).
When I activated each card I was told that no payment would be required until after I got my first statement. Last month I had a statement for my first card, but not the second, so I only paid the bill on the first card. This month when I logged in to their website to view my statements, the second card had a $29.00 late fee. The late fee put me over my limit. So this month, instead of my minimum payment being $10, it was $65.05. Now, I always pay more than my minimum payment, but not that much more! I was less than pleased.
When I called their customer service department, I was informed that the first statement is not sent out until the day after the first due date. What kind of shit is that??
After raising enough of a fuss about it the representative I spoke to said that he could remove the late fee from my account after I paid the $65.05, and the $29 would just be credited back to my card, but that he could not remove the over-limit fee that resulted from the late fee.
I should have just paid the goddamned $10 last month when I thought about it and decided that since I didn't need to, I wouldn't.
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