|banking is evil.
||[Feb. 27th, 2005|10:24 am]
The Question Club
i do pretty much all of my bill paying throuh my bank account's website, because it's easier than writing checks. last month i had thought i paid my $10 balance for my credit card, but apparently i didn't, because when i got my statement this month, it said that i owed like $72.50 with late and finance charges. so, i went through my billpay website, and put in to have a payment for that amount to go out on the 2nd, when it wasn't due until the 25th. well, the credit card company apparantly didn't receive it, because now i owe like $150 or something. i called the credit card company, and they told me that because they never received it, and even though i did send a payment, the charges they added to me are valid and i get to fuck off. of course my bank is closed on sundays, so i can't even call to bitch about it. i am beyond irritated at this. you know, you expect a bank to actually send your payments out.
don't most banks do it so that they just send a payment electronically to whatever company, and it's received instantly? 'cause my bank prints out checks and mails them out, which i think is retarded. i also have to do this like two or three weeks in advance or else the company will get it too late.
i don't think the check was sent and stolen, either, because it has not showed up as being cashed.
so, yeah. my questions are these:
1. is this normal for a bank to send out paper checks like that?
2. if the bank didn't send the checks out, is it possible for me to make them pay my late fees?
3. is it possible that the credit card company did receive the checks, but because they did not come with the stub from the monthly statement, that they just didn't apply the money to my account?
4. do you think it would be okay if i drove over to my bank and set it on fire? because i would like to.