Do Credit Cards Try to Get You NOT to Pay Balances?
I always find it curious that if you made say a $50 purchase on a card that has a zero balance, and then you go in to your account over the next few days to try to pay that amount, it is extremely tricky to do so.
Maybe I’m just being paranoid of overly analytical, but I had this happen on one of my credit cards recently that I had paid off now for close to a year. I inadvertently made a few charges to the credit card one day, and realized it days later.
When I figured out what I had done of course I panicked because when I get this particular credit card’s invoices, I don’t pay attention to them because I know I’ve paid them off a while ago, so there was a good chance I never would have caught it, and had late fees and maybe even collection letters if I hadn’t caught it! In essence, the credit card was saying I had prepaid by making this payment.
So, I logged into my payment account and tried for about ten minutes to find where this balance showed up so I could pay it. Alas, I could not find it, so what I ended up doing was forcing a payment through, although the account insisted I had nothing due! Crazy……
