I've been paying off my credit cards in full for the last three months, maintaining a zero balance. This month I finished paying off my "Line of Credit" for business checking, which is the last of the debt.
I got my B of A card statement today. There in fine print is: "Please note: Your due date has changed...."
Sure enough, and strangely enough, I owe 5 days earlier. Gosh, I wonder why the date didn't change to 5 days later?
And...there was no envelope for the bill to send back.
Nice. Do I use a blank envelope and lose it in the works? Do I make a trip down to the bank and pay in person? Do I sign up for their online presence and give them all the info?
I don't want to do any of these things. Nor should I have to.
So....if I was of a suspicious nature, I'd think they were trying to screw me.
I'm sure it was all innocent.
@%#$@$%@ Credit Cards!
(Edited: Actually they moved the date up 8 days. At least they included a notice, in nice small fine print.....)
To continue the saga. I call them. They say the bill was sent on the 18th, which means it took 7 days to get here. Almost nowhere does it take seven days, five days is the norm.
Let that pass. So I ask, "If I send to the payment address, will it get there?"
"Oh, no. You need a special code and address."
But you see, I knew that because it happened to me several years ago.
So, assuming a 7 days mailing time to be safe: I have 4 days to pay the bill upon arrival.
Which if I had done the logical thing and addressed my envelope to: "Mail payments to;
Bank of America, P.O. Box xxxx, Baltimore, Md 21297-1220," It ALMOST CERTAINLY wouldn't have gotten there!
Yes, sir. Good thing I don't have suspicious nature.
I'm sure there was no intention of trapping the unwary.
That would be cheap trick.
Surely Bank of America wouldn't resort to cheap tricks?
Hey, Congress! WAKE THE FUCK UP!
14 hours ago