On Mar 25, 2005, at 15:24, Steph Peters wrote:
However I don't borrow from them, paying the entire balance every month.
Me too, except when I forget... :( Got my March (payment due April 12) statement today, with $39 f(lat fee) late payment, and $5.70 in interest (funny how, when the bank borrows from me, I get 0.25% rate, but, if I borrow from the bank, it's over 15% <g>). What the heck... And I checked, and by golly, I *did not* pay off the February debt; the statement got buried under a mountain of other paper... That was a quick $45 loss <g>
But that's exactly the reason I do not have more than one card; it I have trouble keeping track of *it*, just imagine where I'd be with more than one... :) I do have two, actually, but I've put one of them away (too much trouble to cancel it, unless/until they start charging me for it) so as not to charge anything to it inadvertently.
Now and then one of my cards will announce it is going to start charging me, usually giving no more than a month's notice.
What I love about those announcements is the language... Whenever they change the ground rules and pull another piece of rug from under you, they never call it "an announcement"; it's always "an agreement"... :)
-- Tamara P Duvall http://t-n-lace.net/ Lexington, Virginia, USA (Formerly of Warsaw, Poland)
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