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I decided - in a concerted effort to get more paid off my credit card - to cancel my minimum payment direct debit and set up a standing order with a fixed amount every month. This is good, as it means I will pay it off a little quicker.
This would have been a good plan, if I could have told the difference between November and December while setting up the standing order. I've been thinking I've been a bit rich this month and couldn't figure out why. Only when I went to the garage yesterday, and came back with a valid MOT certificate and a credit card receipt that said "Declined" on it (that's confusing enough as it is to me, they didn't seem to notice that the payment failed) did I investigate and discover my blunder.
More annoying than my mistake has been the slightly weirdass attitude of the credit card company. I called up this evening as soon as I figured out what I'd done wrong and asked to make a payment by debit card to sort out the overdue amount (it's only overdue by about 3 days now) and was told that they couldn't take payments by debit card, but if I called the "collections" department then they could, however they don't open on Sundays. Eh? Why not take payments by debit card? Any other payment method takes 3-5 days ish to get to them, or requires a trip to a branch of the associated bank branch. If I'm offering to make a payment, take my money damnit!
This would have been a good plan, if I could have told the difference between November and December while setting up the standing order. I've been thinking I've been a bit rich this month and couldn't figure out why. Only when I went to the garage yesterday, and came back with a valid MOT certificate and a credit card receipt that said "Declined" on it (that's confusing enough as it is to me, they didn't seem to notice that the payment failed) did I investigate and discover my blunder.
More annoying than my mistake has been the slightly weirdass attitude of the credit card company. I called up this evening as soon as I figured out what I'd done wrong and asked to make a payment by debit card to sort out the overdue amount (it's only overdue by about 3 days now) and was told that they couldn't take payments by debit card, but if I called the "collections" department then they could, however they don't open on Sundays. Eh? Why not take payments by debit card? Any other payment method takes 3-5 days ish to get to them, or requires a trip to a branch of the associated bank branch. If I'm offering to make a payment, take my money damnit!
disappointed
(no subject)
Amusing that the garage didn't notice that the payment hadn't gone through!
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Does mean I might have to think twice before using that garage again though :-z
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As for the credit card company, that's extremely peculiar - I've paid my credit card by debit card on the phone before in very similar circumstances... is it an obscure credit card co that you're using?
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I called them this morning before work and was given a lecture about late payments as if I were a young child, by someone whose first language was definitely not English. I felt like saying "YeahYeahYeah, whatever" by the time they were half-way done and only waited that long because I needed them to confirm that the payment was OK!