In the eyes of the bank, if anybody were actually looking at individual accounts, I'm only a good customer because I use my cards ALOT. They don't get any interest from me, they only get the fees they charge the merchants I shop with.
Congress reduced that fee, the one that banks can charge merchants for each transaction. Congress said they were fighting the greedy banks, and trying to help the consumer, and the business owner. The same consumer and business owner who entered into the agreement freely with the banks.
A month ago, I received the "Your Credit Card Statement is Available On-Line" email. I opened it, and saw that I had a late fee. I checked my old emails, and could not find an email with my bill for the previous month. I looked, and it had been just over 30 days since my last payment.
I'm no conspiracy theorist, but this has happened to me before. Once in 20+ years. I wanted to call and complain. In the old days, I would get somebody in Kansas, or some place where they used to hire customer service representatives with no accent...but those days are long gone, and we all know I would have gotten Guptar who would read policy from a manual. So, I paid the late fee, and rotated my credit cards - not going to use that one again, just in case.
And then today...
I received another "Your Credit Card Statement is Available On-Line" email. I opened it, and saw that I had a $1.50 "Minimum Interest Charge." The charge was leveled on 10/20, the end of the billing cycle. The card had a zero balance at that time, and was paid in full at the end of the previous billing cycle.
I can not figure it out. I don't want to call and discuss it with Guptar.
I sent an email through their system.
Topic: Disputed Fee/Charge
Comment: Why am I charged a $1.50 Minimum Interest Charge on a balance of $0.00? Please remove the charge, or I will leave you after 20+ years. Your choice.
What do you think they will do?