Double Whammy

[kevin_standlee]

Normally I make all of my credit card payments electronically, but for complicated reasons, I mailed a large payment in mid-September to the card to which most of the my L.A.con IV expenses and that huge advance deposit on the Nippon2007 hotel room were charged. I mailed the payment more than ten days before the payment deadline. The service center is near Las Vegas.

The payment never arrived! It has now been more than two weeks. It never cleared at the other end, either. And now my credit card has hit me with substantial delinquency fees. Adding insult to injury, I forfeited over 3,000 points (=airline miles) because you don't earn points if your account isn't current.

I've had to stop payment on the original payment and will submit a new (electronic) payment on Monday after the various systems cycle. Then I will call Diners Club and see if they'll believe my (truthful) explanation and either reverse the charges or reinstate the miles or maybe even both.

But now I hope the original mailed payment never turns up, because then I'd get another service charge for a rejected-payment fee.

Comments

[redneckotaku.livejournal.com]

This has not been the best few days for you. I hope they get better. I am starting to think this is why my mom does Money Orders over Checks for her big bills.

[kevin-standlee.livejournal.com]

A money order would have done me no good here. It's the physical piece of mail that's gone missing. Just to further annoy me, I found later that I could have made the payment electronically after all, in which case I would have had proof that I'd made it even if it didn't go through.

I'm now at the point where I make nearly all of my regular bill payments by electronic payment except my rent, and that last is only because the property-management company isn't set up to accept e-payments.

[thirdworld.livejournal.com]

Yuch! I hate that. I hope it all gets sorted out soon. Oh and do talk to them as they will usually at least remove that from your credit record. Best wishes.

[kevin-standlee.livejournal.com]

I think there's a chance that they'll take it off my record. The agent to whom I spoke a couple of days ago was encouraging, at least, and I have a good record with them in the past.