I would suggest not having a past due balance.
Now you’ve made them mad... the will cut your credit limit to $1 over your current limit... the day before next credit. OVER LIMIT FEE.
I have one card that did that and I still have no reason why... I REFUSE TO PAY YOU ANYTHING until that fee is REMOVED..They stopped calling the house when I keep a STADIUM horn by the phone just for them.
Here is a good one:
I tried to make a $2,600 payment on my BofA visa online (my standard monthly bill payment, but made a mistake with the decimal. I actually paid $260,000.
Here is how it worked:
The card company tried to process a $260,000 transaction, but cannot handle payments larger than $99,999 so they created three transactions: two for $99,999 and one for $60,002. Only one went through to my bank and generated a $20 NSF fee.
When they were returned, BofA charged me a $39 returned check fee for EACH transaction, for a total of $127. Then, when they returned my account to it’s original “outstanding balance” they put it in as a “cash advance”. The amount of interest on my card is 10% but 19% for cash advances.
Good news is that when I told them NOT to cancel the card but that I would simply stop using it they backed out all charges. I was out $20, but I’ll live with it.
Listen to Sanctimonius SandyInSeattle
19 days past due?
You pay everything off exactly when due?
Please, you sound like a liberal Democrat talking about income taxes.