Enough with Capital One
OK, I'm a bit peeved... or maybe a little more than a bit...
First some background: Rewinde to earlier this month.
I've never really paid much attention to the spending limit on my credit cards because I've never had to worry about them. But now I do. I have a business credit card for Entinex and have offered several clients to help them make purchases.
Suddenly I'm over the limit. Why? Because my limit is only a measly $5k. So I called them up and they said I have to go 90 days without missing a payment or going over the limit. That's 90 days from my last "infraction." The clock started on that when I went over the limit. Forget that I immediately paid off $1000 of the balance and that up to that point I went umpteen months without as much as forgetting to make my payment on time. The dude on the phone (I swear they outsource customer service to India) said that my being good all this time and making a fast payment wasn't going to change their policy.
That was annoying.
So, fast-forward to yesterday.
It's about time for the statement payoff from last month... it wasn't necessary because I'd already made a payment but because I'd gone over the limit again I needed to bring it down some more... so I dropped another $1000 into the account.
Today I go to buy something on Amazon.com and get an e-mail that there was a problem with my credit card.
I log on to the credit card and see that yesterday's payment was applied. When I tried to look up my statement I get an error. Not a good sign.
I go to Amazon and change the card used for the purchase. Which is annoying because I don't like using personal credit cards for business purchases.
I call the credit card's customer service and their automated system doesn't acknowledge the payment the way their Web site does. When I get a human on the line (another Indian-sounding person, a female this time) she says that their was a technical problem and that all payments will be applied tonite at midnite... fat lotta good that does me... I'm assured that I won't be penalized for their technical problems. Yhuh! No kidding! Better not be!
I'd had it with these bozos...
... I applied for the American Express Blue card on the Open Network Small Business.
First some background: Rewinde to earlier this month.
I've never really paid much attention to the spending limit on my credit cards because I've never had to worry about them. But now I do. I have a business credit card for Entinex and have offered several clients to help them make purchases.
Suddenly I'm over the limit. Why? Because my limit is only a measly $5k. So I called them up and they said I have to go 90 days without missing a payment or going over the limit. That's 90 days from my last "infraction." The clock started on that when I went over the limit. Forget that I immediately paid off $1000 of the balance and that up to that point I went umpteen months without as much as forgetting to make my payment on time. The dude on the phone (I swear they outsource customer service to India) said that my being good all this time and making a fast payment wasn't going to change their policy.
That was annoying.
So, fast-forward to yesterday.
It's about time for the statement payoff from last month... it wasn't necessary because I'd already made a payment but because I'd gone over the limit again I needed to bring it down some more... so I dropped another $1000 into the account.
Today I go to buy something on Amazon.com and get an e-mail that there was a problem with my credit card.
I log on to the credit card and see that yesterday's payment was applied. When I tried to look up my statement I get an error. Not a good sign.
I go to Amazon and change the card used for the purchase. Which is annoying because I don't like using personal credit cards for business purchases.
I call the credit card's customer service and their automated system doesn't acknowledge the payment the way their Web site does. When I get a human on the line (another Indian-sounding person, a female this time) she says that their was a technical problem and that all payments will be applied tonite at midnite... fat lotta good that does me... I'm assured that I won't be penalized for their technical problems. Yhuh! No kidding! Better not be!
I'd had it with these bozos...
... I applied for the American Express Blue card on the Open Network Small Business.
posted by Hillel at
17:09
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