BOA: Day Late–DOA
What? Maybe four times of carrying credit cards in our adult lives we’ve missed a payment because I thought she and she thought I had paid it; or it got sorted by mistake into the wrong pile. Four times in decades of full-amount on-time payments to Bank of America or its predecessors.
So I admit I’m naive about how these missed-due-date things work. I slipped up this week and paid a $300 BOA bill due on the 14th on the 14th. So it would be late. Dang, I hate it when that happens once every couple of years.
And this morning, first Amazon, then Netflix tell me there are problems and I need to bill to another card.
Wait a minute. Surely not. That would an idiotic good-customer-alienating policy to inactivate the card for what turns out to be a $15 penalty for a cardholder who carries no outstanding balance beyond this one check that should arrive at BOA today or tomorrow.
But yes, that is the policy at Bank of America. Check’s late, you’re frozen. No skin off their beaks.
Yes, after holding for Eternal Muzac and talking to someone “higher up” about my displeasure, things were made right and the fee was waved, and all is rosy, they tell me.
But I want to know: is this day-late DOA standard policy for all credit card issuers? This has rubbed my fur the wrong way, and if other cards offer more rational and measured grace periods to good customers, I may want to be one of theirs, and t’ell wit Bank of AmeriKa.
Meanwhile, I’m setting up autodraft for this card from our bank. But for the longer haul, I’m shopping around for alternatives and open to any ideas.