ST Alpha - "Crap. Just realized the credit card payment I was 1 day late on was the one I had moved a large balance to at a promotional rate." (Reading a Post)

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Crap. Just realized the credit card payment I was 1 day late on was the one I had moved a large balance to at a promotional rate.

Posted by Dano (aka dano) Jan 22 '09, 12:02

They're going to screw me by raising the rate, aren't they?

Responses:

So, should I call them and be proactive and apologetic about the late payment or just wait to see if they raise my rate first? -- nm - Dano Jan 22, 12:09 2
- (I expect to and am totally fine with paying a late fee. I deserve that. I just want to keep my interest rate where it is.) -- nm - Dano Jan 22, 12:11 1
  - call and grovel. I'd be interested to see what they do. -- nm - Mel Profit Jan 22, 12:12
Depends on if you call them up and scream loud enough. - Jim Jan 22, 12:05 9
- I won't scream. But I'll let them know that I have another card with zero balance that I can move the entire account to with a few clicks. - Dano Jan 22, 12:07 3
  - Ahhhh... I always loved those threats. Especially the reactions when they didn't work. ;) -- nm - Cuzzin Todd Jan 22, 12:10 2
    - My reaction will be thank you for your assistance followed by me transferring the balance online. -- nm - Dano Jan 22, 12:12 1
      - It was often met by dead silence because the caller would often be shocked that ploy didn't work. -- nm - Cuzzin Todd Jan 22, 12:13
- That's cause you never got me. - Cuzzin Todd Jan 22, 12:06 3
  - I hear ya. I was a bill collector. I was not nice at all. nm - Jim Jan 22, 12:07 2
    - It always depended how people approached it. Call me and tell me I'm going to do this and demand stuff... screw you. - Cuzzin Todd Jan 22, 12:09 1
      - Hence my post above. -- nm - Rorschach: 03/06/09!!! Jan 22, 12:15
- Start nice, then amp up as needed. -- nm - Rorschach: 03/06/09!!! Jan 22, 12:06
Depends on the company. I had a 0% promo with Chase I made a late payment on that didn't get jacked. -- nm - Cuzzin Todd Jan 22, 12:04 1
- Trying to read the fine print. I'm hoping it's two late payments before they go to the penalty rate. -- nm - Dano Jan 22, 12:05
Oops. - Rorschach: 03/06/09!!! Jan 22, 12:03 2
- I'll call them and move the balance to another card even at a higher rate just out of spite if they do. -- nm - Dano Jan 22, 12:04 1
  - That is the threat to make. - Rorschach: 03/06/09!!! Jan 22, 12:05

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Crap. Just realized the credit card payment I was 1 day late on was the one I had moved a large balance to at a promotional rate.

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