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CC issues and payment

August 8th, 2008 at 01:17 am

A few weeks ago I misplaced my Citicard CC. Actually I thought I lost it. I have a *bad* habit of just throwing it into my purse after using it instead of putting it in my wallet. Well, in my frantic state I dumped the contents of my purse on the table and swore that I went through everything very carefully. To my dismay, I could not find the CC. I called Citicard to report the card missing so that they could close the account and issue me a new card/number. I was told it would arrive in 7-10 business days. Guess what...later that day in the afternoon I found the CC in between a folded piece of paper. I called back the CC company, but couldn't stop the process as that card was already canceled. I was so aggravated at myself!!

In the meantime, I could no longer access my account online. I always pay any bill possible electronically online. I would have to wait until the *new* card was activated so that I could once again access my account. As soon as the card arrived, after activation I scheduled an online payment to occur today, 8/7. Just now I went to look and there is no record of it on the pending payment/view scheduled payments page. NOTHING!! Luckily, I have the authorization # that I received when I entered the banking information online. I just hope this is an isolated incident and that the payment will post today because it is due today! In the past I have always been able to view any pending payments prior to the date it actually posted on the recent activity page.

Maybe this is happening because of the switching of the CC account #s. I don't know but I just wish I knew what was going on with this payment. I always pay in full and don't want any late charges incurred for something that isn't my fault.

Hopefully everything will work out. I have got to be more responsible though about keeping my CC in my wallet instead of just throwing it into my purse.


Posted in Credit Cards | 5 Comments »

5 Responses to “CC issues and payment”

  1. sillyoleme Says:
    August 8th, 2008 at 01:25 am 1218155126
    1218155126

    I have the bad habit of throwing my debit card in my jeans pocket or in my purse, instead of its spot in my wallet. Usually, it's because the cashier is handing me a receipt, bag, etc... and I am just trying to get a free hand to take it. Either that or I don't want to hold up the people behind me by fiddling with my wallet.

    I always think "I'll put that in my wallet as soon as I get home." Yea... right!

  2. frugaltexan75 Says:
    August 8th, 2008 at 01:52 am 1218156736
    1218156736

    I would suggest that you call customer service and find out what happened to your payment - you can also at that time make sure that if the payment is going to be counted as late, that they may waive it due to circumstances.

  3. Blue Eyes Says:
    August 8th, 2008 at 01:57 am 1218157068
    1218157068

    Thanks frugaltexan I will check the online status tomorrow morning. If the payment hasn't posted, I will call them.

  4. SicilyYoder Says:
    August 8th, 2008 at 02:08 am 1218157687
    1218157687

    I do that, too, then find things later.

  5. cargirl86 Says:
    August 8th, 2008 at 02:09 am 1218157789
    1218157789

    This happened to me with my WaMu card, except I didn't have it canceled or anything ... they just never posted my payment and thus charged me a late fee. Luckily I had my confirmation E-mail, but it was a real hassle.

    I know some won't agree with me, but I just see it as another way credit card companies attempt to ilk us out of our money.

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