||[Feb. 28th, 2009|10:13 pm]
The Question Club
I have a credit card with a limit of $2,000.00, and the account is almost maxed out. I am, however, extremely careful, to never exceed the balance, even if it comes close (i.e. within 2 dollars). I was at $1,986.86 at the close of my billing cycle, and was assessed two finance charges (as apparently I have two separate APR's, one promotional one not). The amount pushed me over the limit, and I was assessed an overlimit fee. Is this typical? When I've had other maxed out cards in the past, I was never assessed a fee for finance charges pushing me over the credit limit, and I wanted to know if this was common. I called the company I have the credit card through and the rep referred to the account agreement I got three years ago, so I asked for another copy to be sent my way.|
Is this common? If your finance charges put you over your credit limit, does your financial institution charge an over the limit fee, even if it wasn't something you charged that pushed you over?
OH, and when you're calling a big 1-800 number corporation, and the customer service rep ID's themselves just by name, do you think that's REALLY their name?
I spilled rum on my laptop's keyboard a few days ago. Everything appears to be in regular working order, except for the fact that it randomly scrolls down, which is a pain when you're reading something/on a menu screen, etc. Is it forever fucked?