Stacking Pennies . . .

While checking out my expenses in Yodlee, I noticed that there was a fraction of a percent allocated for "Finance charges and service fees" I always pay my credit card in full, so I was mystified.

Further investigation showed that when I had tried to make an early payment to my brand new Chase Visa card, the payment had been returned (this I was aware of--i think the account information I entered was wrong), and they tacked on a 39 "returned payment" fee.

I was surprised that I missed that when it happened, but it was a busy time. I didn't think the fee was fair ($39 for mistyping the account?) and figured I'd be on the phone for awhile attempting to get them to waive it. I saw that they had an online message center, and I gave that a shot. I like the idea of asking questions online more than the phone, but many times I found that they just reply with a "please call us" message. I sent them a message explaining the situation and asking if there was anything that could be done.

Less than a half hour later, they replied and agreed to waive the fee! Wow!

I could only be more impressed if they hadn't charged such a ridiculous fee in the first place! (Seriously, $39?)

While checking out my expenses in Yodlee, I noticed that there was a fraction of a percent allocated for "Finance charges and service fees" I always pay my credit card in full, so I was mystified.

Further investigation showed that when I had tried to make an early payment to my brand new Chase Visa card, the payment had been returned (this I was aware of--i think the account information I entered was wrong), and they tacked on a 39 "returned payment" fee.

I was surprised that I missed that when it happened, but it was a busy time. I didn't think the fee was fair ($39 for mistyping the account?) and figured I'd be on the phone for awhile attempting to get them to waive it. I saw that they had an online message center, and I gave that a shot. I like the idea of asking questions online more than the phone, but many times I found that they just reply with a "please call us" message. I sent them a message explaining the situation and asking if there was anything that could be done.

Less than a half hour later, they replied and agreed to waive the fee! Wow!

I could only be more impressed if they hadn't charged such a ridiculous fee in the first place! (Seriously, $39?)

While checking out my expenses in Yodlee, I noticed that there was a fraction of a percent allocated for "Finance charges and service fees" I always pay my credit card in full, so I was mystified.

Further investigation showed that when I had tried to make an early payment to my brand new Chase Visa card, the payment had been returned (this I was aware of--i think the account information I entered was wrong), and they tacked on a 39 "returned payment" fee.

I was surprised that I missed that when it happened, but it was a busy time. I didn't think the fee was fair ($39 for mistyping the account?) and figured I'd be on the phone for awhile attempting to get them to waive it. I saw that they had an online message center, and I gave that a shot. I like the idea of asking questions online more than the phone, but many times I found that they just reply with a "please call us" message. I sent them a message explaining the situation and asking if there was anything that could be done.

Less than a half hour later, they replied and agreed to waive the fee! Wow!

I could only be more impressed if they hadn't charged such a ridiculous fee in the first place! (Seriously, $39?)

While checking out my expenses in Yodlee, I noticed that there was a fraction of a percent allocated for "Finance charges and service fees" I always pay my credit card in full, so I was mystified.

Further investigation showed that when I had tried to make an early payment to my brand new Chase Visa card, the payment had been returned (this I was aware of--i think the account information I entered was wrong), and they tacked on a 39 "returned payment" fee.

I was surprised that I missed that when it happened, but it was a busy time. I didn't think the fee was fair ($39 for mistyping the account?) and figured I'd be on the phone for awhile attempting to get them to waive it. I saw that they had an online message center, and I gave that a shot. I like the idea of asking questions online more than the phone, but many times I found that they just reply with a "please call us" message. I sent them a message explaining the situation and asking if there was anything that could be done.

Less than a half hour later, they replied and agreed to waive the fee! Wow!

I could only be more impressed if they hadn't charged such a ridiculous fee in the first place! (Seriously, $39?)