Updates – Amex actually doesn't suck as much as I thought
Posted By matt on October 22, 2006
- Updated my website again; added a script that I use to sync my downloaded podcasts to my music player. Link is here
So, I sent them a check, and it posted to my account, and then I get this month's bill – they assessed me a $1.41 finance charge, even though I paid the balance in full by the due date.
I called up during the workday (and this is the key – you need to call during the day. The nighttime folks don't seem to be of the same caliber as the daytime folks.
I asked the gentleman if he could fix it so that I could pay online. He said that he would have to check and make sure that they could bill my bank account, which takes a billing cycle, which directly contradicts what the previous rep told me. He also (without asking) canceled the $1.41 charge, because it's kind of silly to pay such a small charge with an envelope and check. Additionally, once he reviewed the notes and I explained the situation, he apologized and said that it should never have gotten so out of hand. He cleared all the bad flags on my account, restored my interest rate back to the base rate (apparently, it had gone up as a result of the bounced payment; despite the fact that I paid the $30 late fee), and he said that the account should now be back to the way that it was before all this silliness.
I told him that I really appreciated it, and he has convinced me to keep the card. (I hadn't told him that I was going to cancel the card, merely that I wanted to speak with someone who could set it up so that I could pay online again).
Now all that remains is to check my credit report in a month or two and make sure that none of this silliness has created a problem.
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