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Check Your Credit Cards!
Zero Balance Can Bite You.
incrediBILL




msg:4460924
 1:25 pm on Jun 3, 2012 (gmt 0)

Just an FYI that if you have a zero balance credit card that doesn't send you a monthly statement when it has a zero balance that you should check your balance online every month regardless.

Here's why.

If something suddenly invokes a small charge that you have set up for annual auto-payments or bridge toll payments or something periodic, and you haven't had a balance on this card in the last 6 months, thus no statements, then you won't notice when your postal worker suddenly loses his freaking mind and starts inexplicably returning this credit card statement as undeliverable.

Why did he start returning it? Somehow the credit card company lost the APT # on the account and no explanation how that happened either. Now there are only 12 mailboxes in the cluster and it's the same name on the account, same name on the mailbox, so how lazy or stupid must one letter carrier be to not figure this out? Funny, same stupid mail carrier manages to put the neighbors stuff in my mailbox all the time so randomly delivering things to the wrong place seems to be a habit.

Needless to say, said postal worker shouldn't be surprised when his career is inexplicably cut short in the upcoming layoffs and/or there's also no holiday bonus this year in my mailbox.

TIP: sign up for electronic statements and if possible, bill pay, as bill pay will notify you if an expected bill doesn't show up each month as a reminder to go check it online.

 

Planet13




msg:4461019
 9:40 pm on Jun 3, 2012 (gmt 0)

That happens sometimes with our electricity bill.

Our zip code overlaps two towns. However, PG&E insists that ALL people who live in our zip code MUST live in the next town over.

hence, all our bills have the wrong town name on them.

Our carrier has said that mail will be returned unless they put the right town name on it, but PG&E insists that it is "IMPOSSIBLE" in their system to change the way that town names are assigned to zip codes.

these are the people we trust to manage delivery of energy that we are so dependent upon. No wonder their gas pipelines blow up from time to time...

tangor




msg:4461879
 3:15 am on Jun 6, 2012 (gmt 0)

If something suddenly invokes a small charge that you have set up for annual auto-payments or bridge toll payments or something periodic, and you haven't had a balance on this card in the last 6 months, thus no statements, then you won't notice when your postal worker suddenly loses his freaking mind and starts inexplicably returning this credit card statement as undeliverable.


Sorry, if "something" invokes a periodic small charge it will be something you set up... or conversely is a hint of id theft. There's nothing wrong with a zero balance credit card. All of mine are zero. Have been for years. 1) Cash works so much better 2) the accounting is immediate and sans any transaction fees. But I retain the cards since the bank seems so much happier that I have them. Hoping I just might use one. :)

LifeinAsia




msg:4461886
 3:44 am on Jun 6, 2012 (gmt 0)

Cash? What's that?

I check all my credit cards every month. I have a nice spreadsheet telling me the estimated payment date each month. I go through each bill and check online for any balance that needs to be paid.

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