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I'm SO confused!

March 15th, 2008 at 12:23 am

As the title says, I am so confused.

DH has one credit card. $300 limit. I know the last time I paid it (march) I sent in $16. I've pretty much been paying the minimum being that we have much higher interest rates on other cards.

So I wanted him to make sure the check cleared. So he called and listened to the automated system. He asked me if I paid if off because he said there was a balance owed of $8. I had been thinking of paying it off just to get rid of the annoying bill, but the $300 went to a higher interest rate. So I looked at my check register to double check that it wasn't paid off (didn't think I did, but...) so I told him that he has to speak to someone to figure out what was going on. The customer service guy said that there was an $11 check, a $5 check and a $251.31 check and ALL of them cleared on March 5th. Then I started panicking, thinking that I decided to pay it off and didn't. Logged on to the internet banking site, nope, nothing but the $16 check that I had sent cleared. I then got on the phone with the guy and he explained to me that there was only $8 owed on the account, blah, blah, blah.

I asked if there was a way he could tell me what account it was paid from, etc. He said that he'd have to transfer me to a supervisor and the supervisor could tell me where the money came from.

But I was on hold for like 15 minutes and didn't get anybody on the other line, so I figured I'd call back later when it's not using up our cell phone minutes (we don't have a landline)

So yes, I'm REALLY confused as to what is going on... Is there a magic credit card fairy!?!?

7 Responses to “I'm SO confused!”

  1. creditcardfree Says:
    1205542155

    Your $11 and $5 checks total $16.00. Did you write separate checks? Did you send the wrong checks to the wrong credit cards? Everything is so automated they don't always check who the check is made payable to. Just thoughts...I don't want to confuse you more. Good luck!!

  2. nomorecredit Says:
    1205543827

    "Your $11 and $5 checks total $16.00. Did you write separate checks? Did you send the wrong checks to the wrong credit cards? Everything is so automated they don't always check who the check is made payable to. Just thoughts...I don't want to confuse you more. Good luck!!"

    I never thought about that equaling $16.00. Hmmm, the mystery thickens. I was worried about accidentally sending them a check for the $251 where it should have gone somewhere else instead, but then I remembered that this is the only bill that I pay by actually mailing a check in and not online. And there's nothing for that amount withdrew from my checking account whatsoever... I can't even imagine, hopefully I can talk to a supervisor later.

  3. compulsive debtor Says:
    1205549274

    If there is a magic credit card fairy, send her my way.....

  4. debtfreeme Says:
    1205557047

    did you write a 251 dollar check someplace else?

    Could you have put the payment into the wrong envelope?

    Could they have reversed a number and looked up the wrrong account?

  5. Thrifty Ray Says:
    1205561325

    It is possible that after they posted your check, the posted the next check (someone elses payment) to your account.

    It sounds like maybe someone was in training or not paying attention, especially since they had to post two payments to add up to the $16..curious...let us know how it turns out.

  6. scfr Says:
    1205590533

    It sounds like an error that will (hopefully) get straightened out.
    I'd make a follow-up phone call to see what was going on.

  7. Amber Says:
    1205637372

    I don't think there is a magic credit fairy, but I am thinking maybe they applied some one eles's payment to yours

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