A (not so funny) story

I've been paying off my cc balance in full every month to avoid finance charges (we won't go into why I feel the need to use the plastic at all). April's payment was due on the 7th (Monday). Thursday I came back from running work related errands and realized I had forgotten to mail my check. I didn't want to go all the way back to the PO, so I decided I would sign up for online payments.

Friday morning I sign up, only to discover it will take 3 business days to process the payment. There were instructions to call Customer Service if you need the payment credited to your account that day. So I did and the customer service rep tells me it will COST me $15 to have the payment credited to my account that day!!! So I said, wait a minute...I am not late TODAY. I want to give you the money TODAY and you are going to charge me for taking my money??? (when I mail in a check, they credit my account the day they receive it, even though it doesn't clear my bank until several days later; why can't they treat an electronic payment the same way and credit my account for making it?)

Sooo I say fine, I will take my chances on incurring the finance charges for the month... and he says, 'well there will be a $30 late fee'. OMG!!!!!! I was fuming since on Friday I WAS NOT YET LATE!!!!!!!! I calmly said, no way am I going to pay any of these fees. I will drive to the post office and give them $3.50 to send it Priority Mail and it will get there Monday because the US mail moves on Saturday. Thanks for nothing.

The punchline of this ridiculous story is that I drove it to the downtown PO, which has a noon box collection, stuck a regular stamp on it, AND it must have arrived on Sat because it was credited to my account on Sun! Sooooo glad I didn't fall for the $15 trap.

That was a new one for me. I thought you would appreciate it. Grrrr....