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One of the last bills I actually pay by check is my credit card, and it's come to bite me in the ass.
When we moved back in November, I changed my address with the credit union where I have my credit card. But apparently, Visa never updated it in their systems.
So even though I got my first two bills thanks to mail forwarding, my last two bills never came.
Because I didn't get my bills, I didn't pay my bills. Now I've got a past due notice and some finance charges sitting on my balance.
Thanks, Visa.
I called up the credit union, and they have my new address in the system, so they're blaming Visa. Thankfully, they're looking into getting the finance charges removed and I'm paying the bill right now.
If I had automatic payments set up for my credit card, this wouldn't have happened. My bill would have been paid, and I wouldn't need to take time to straighten this out and worry about any repercussions.
junger, your credit union is snowing you. You don't really have a relationship with Visa, they do. You have a relationship with your credit union and they manage all your billing. Visa didn't have a hand in this one.
Wil - you're right. I don't have the relationship with Visa at all. My point was more that even though the credit union had my new address in their system, Visa didn't.
There's nothing I could do about it, so it was either the credit union or Visa's fault. The credit union says they sent the request, and I believe them.
I obsess over my online banking, and part of our financial discipline is immediately paying off credit card purchases as soon as we get home. I've had my paper statements turned off, since I know exactly where we're at every day.
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