How did I miss this?

iVillage Member
Registered: 09-21-2004
How did I miss this?
Mon, 01-24-2005 - 8:13pm
I look very closely every month at all our cc statements. I look at finance charges, previous balance, current balance, purchase and look at the purchases specifically in case we got charged something we shouldn't have. Well, I get his Capitol One statement today and the min payment is very high. Normally $20. It's not my target card so I pay more than the finance charge so it will come down every month but nothing that makes a big diff.
We have an overlimit fee. WHY? I thought dh had used his card even though he knows not to since it was close to being maxed out. The only purchase on there was from the company dh and I used to check our credit reports a few months ago. I was like what? We shouldn't have had a charge from them. I go back to all his cc statements from the month we should have been charged it. It has been on there every single month since.
Which means three months we have been charged for a credit report that we didn't "buy". The last two months because of this, we have had an overlimit fee.
I tallied the totals and it comes to close to $90 so dh is going to call Capitol One tomorrow to dispute the charges and call the credit report company and ask why we are being charged this every month. I asked him if he signed up for something every month but I don't remember there being that option, KWIM. I double checked all my cc statements (cause we checked out credit report the same month but used our own cc) and I have not been charged anything that I shouldn't have been.
I can't believe I didn't catch this earlier. Man this peeves me off!!