A
ahutchGA
Guest
What is the name of your state? GA
My husband and I recently ran into some financial problems and I'm now attempting to get our money situation caught up.
I've been making payment arrangements with our creditors, most of whom have been happy to work with me.
I called my Visa company on Saturday and arranged for a $10 immediate payment, and then $26 check, dated 7/5.
The guy's supervisor called today and said the man I spoke with didn't know about the statement closing dates due to the 7/4 holiday.
Therefore, I would have to change the $26 check's date to today, in order to make the 7/2 closing date.
She assured me it would not clear before Friday, ,due to all the bank's being closed Thursday and Friday.
I do not like my checking account being in negative (even on paper) and I felt the margin of error was too great, so I refused to change the check date.
She then told me that the bank has been generous in giving me the money and the least I can do is pay it back. She also said the bank loses money everytime they have to change my collection status.
By refusing to change the date, she said my collection status would go from a 3 to a 4. She was also flagging my account as "refusal to pay."
That makes absolutely no sense to me. I had one payment post immediately and that 7/5 check will show $26 payment.
How can it be refusal to pay?
By the way, my total balance (before the payments this week) is $433.00.
Thanks for your help!
My husband and I recently ran into some financial problems and I'm now attempting to get our money situation caught up.
I've been making payment arrangements with our creditors, most of whom have been happy to work with me.
I called my Visa company on Saturday and arranged for a $10 immediate payment, and then $26 check, dated 7/5.
The guy's supervisor called today and said the man I spoke with didn't know about the statement closing dates due to the 7/4 holiday.
Therefore, I would have to change the $26 check's date to today, in order to make the 7/2 closing date.
She assured me it would not clear before Friday, ,due to all the bank's being closed Thursday and Friday.
I do not like my checking account being in negative (even on paper) and I felt the margin of error was too great, so I refused to change the check date.
She then told me that the bank has been generous in giving me the money and the least I can do is pay it back. She also said the bank loses money everytime they have to change my collection status.
By refusing to change the date, she said my collection status would go from a 3 to a 4. She was also flagging my account as "refusal to pay."
That makes absolutely no sense to me. I had one payment post immediately and that 7/5 check will show $26 payment.
How can it be refusal to pay?
By the way, my total balance (before the payments this week) is $433.00.
Thanks for your help!