My credit card company erroneously charged me a "pay-by-phone" fee?

Question

My credit card company erroneously charged me a "pay-by-phone" fee b/c I called to make a payment when their Web site was down. When the rep informed me that I'd be charged a fee, I did not authorize it and said that I would try the Web site again the next day. They went ahead and charged me the fee, anyway. When I called to complain, they refused to waive it. I have almost a zero balance with them at this point. If I leave them and open a credit card w/another company, will it hurt my excellent FICO score?

Answer 1

First of all call them back and tell them that you are cancelling your credit card. This gets their attention. They will give you to a "cancellation" representative and I will be willing to bet the charge will be taken off the bill. Why pay something that you shouldn't. Second, it will not hurt your score if you do this.

Answer 2

Call them back. Be extremely polite.

One of the problems people have when they are trying to get something corrected is they get mad and start yelling and then, no one wants to help them so call and be polite.

Explain that the day you called, THEIR website was down and you did not use the pay by phone anyway because the rep told you about the fee. If you didn't pay by phone, how can there possibly be a fee.

When you get the card paid off, unless it is one of those that charges and annual fee, just leave the account open. It will show on your credit report that you have an account but it has a zero balance. That actually looks good, unless you have a lot of them out there that you've opened. Too many credit cards can look bad but one open account with a zero balance is okay.

Answer 3

with the help of their very nature, credit card agencies exist to ripoff their purchasers. they provide your cash at a larger cost for it. What isn't a ripoff approximately that? that's why i do no longer own or use credit playing cards. in simple terms a fool could enter a settlement the place they pay extra money for money. in my view, i do no longer think of they ought to exist. If the standard individual needs a lender in an emergency, they ought to bypass to a pawn save.

Answer 4

Write them a letter, explaining exactly what happened (dates, times, who you spoke with, what was said, what was agreed to, etc) and dispute the charge. Tell them exactly what you expect them to do for you.

Answer 5

Get a a bank account then do it by the intranet
email me i can get you a bank account that dose this for u
free