I had a home insurance payment ($3,866) due 1/25/25 as usual, I use online banking to pay it
and I scheduled payment about a week early. I received a reminder letter a couple days
before due date and then a late letter about 7 days after the due date. I called the Insurance company
and verified they had not received the check, it also had not shown on any online bank statements.
I went to my bank to see if indeed they had sent the check, they said they did.
So, I called the insurance company back and paid it by Credit Card. And of course they then received
the check a day or two later. So they had a double payment as of 2-5, it is now 3-14, I have not received a refund for the over payment.
They insurance company does say the check has been sent, about 10 days ago now! :-(
Now the interesting part, I misplaced, the Credit Card statement, actually it was under some handwritten notes on getting my
computer working again after a self induced hard drive problem. (i.e. it was a frustrating few days!)
When I saw it, it was due on the 2nd, it was already the 7th. Paying online, the money would not be sent until the 10th, unless I paid a rush fee, which I didn't due.
This all means my Credit Card payment was late. Over 40 years of marriage we have not had more than 3 late payments, nor have we paid any interest.
I called the Credit Card Company hoping to get the extra charges ($30 late fee and $71.36 int) removed, or, at least reduced. I started working my way thru
the menu using speech, finally I said, "help with late fee and interest charge", I got an immediate, "Good news, we have credited your account,
$30 for the late fee and $71.36 for the interest charge." I didn't even get to tell them my long history with them or my good payment history.
Anyway, I was shocked at how easy it was.
and I scheduled payment about a week early. I received a reminder letter a couple days
before due date and then a late letter about 7 days after the due date. I called the Insurance company
and verified they had not received the check, it also had not shown on any online bank statements.
I went to my bank to see if indeed they had sent the check, they said they did.
So, I called the insurance company back and paid it by Credit Card. And of course they then received
the check a day or two later. So they had a double payment as of 2-5, it is now 3-14, I have not received a refund for the over payment.
They insurance company does say the check has been sent, about 10 days ago now! :-(
Now the interesting part, I misplaced, the Credit Card statement, actually it was under some handwritten notes on getting my
computer working again after a self induced hard drive problem. (i.e. it was a frustrating few days!)
When I saw it, it was due on the 2nd, it was already the 7th. Paying online, the money would not be sent until the 10th, unless I paid a rush fee, which I didn't due.
This all means my Credit Card payment was late. Over 40 years of marriage we have not had more than 3 late payments, nor have we paid any interest.
I called the Credit Card Company hoping to get the extra charges ($30 late fee and $71.36 int) removed, or, at least reduced. I started working my way thru
the menu using speech, finally I said, "help with late fee and interest charge", I got an immediate, "Good news, we have credited your account,
$30 for the late fee and $71.36 for the interest charge." I didn't even get to tell them my long history with them or my good payment history.
Anyway, I was shocked at how easy it was.