Posted on 12/22/2007 2:02:09 PM PST by LukeL
I just checked my mail and saw I got a bill for $0.00 with a deadline of 1/10/08.
Now the sensible person in me, tells me to ignore it, yet the wiseguy in me wants to send them a check for $0.00 and see what happens.
Any Advice.
Best pay it. Computers are as smart as their programmers.
Nah. Just send them back an empty envelope...
No advice. Just LMAO.
Do keep an eye on it, though. Someone screws up the code bad enough and you might find a $30 "late" fee tacked on there. I know a guy it happened to - he called them up on it and they apologized profusely and removed the charge, but it happened.
At least you've got a couple of weeks to save up.
I've seen similar in my mailbox, too. If you ever plan to use the card again, so what? I'd send them a check for $5.00 or so. That way they show on their books that you sent them money on time.
I mean, why risk a late payment or non-payment charge against your good credit getting sent by them to some credit agency? That could take a letter-writing campaign of epic proportions to clear up. Who needs the aggravation, when you could send them a handful of $$$ and have it over and done with???
I get one of those every once in a while too. I never use that particular card, and I think they are trying to remind me that I have all of that credit available.
Doesn’t work on me. I pay with cash or check, whenever possible, and pay the balance every month on the one card I do use. I want the card working for me, and not the other way around. Life is too short, and I’m too long in the tooth.
After 1/10/08 the computer will kick out a $10.00 late fee! You can call customer service but then you’ll have to go through the customer service phone tree. Pay’em the $0.00 then cancel the card!
I cancelled the card about two months ago, I just got done paying off the balance.
Leave the gun. Take the cannoli.
I got a bill for a credit card from GE Capital for $0.00 for a credit card I did not know I had. It turns out they had bought the accounts for an out-of-business department store, and were issue credit cards to all the old, inactive, store credit accounts.
Needless to say, I was pissed. I called GE and waited on hold (forever) to complain, and they refused to cancel the card. They told me to just ignore it for a month, and it would cancel itself.
WRONG ANSWER! After much yelling and screaming, they finally cancelled the card and sent me a letter acknowledging that the card was cancelled.
It got GE on The List. I wound up cancelling the order for $9000 worth of kitchen appliances (GE Monogram, very nice), and sent them a letter why. The Thermidor unit I bought is just as nice, and cost about the same.
Best advice
Seriously, I get bills of 0.00 when I paid the last bill, and did not charge anything in the latest month. The purpose of the bill is to acknowledge that you're paid up
Most of what you see on a credit card statement/ bill is just autotext stuff. They come pre-assigned with a due date and the program doesn’t bother to see if there’s an actual payment due or not. So long as it’s legitimate that you didn’t do anything on this card so you shouldn’t owe them anything then chuck it. Of course if you have done something on this card you should probably call them.
They send those out all the time at this time of the year, if you have a balance, just a way for them to charge interest on the interest.
I did the same thing! Laughed that it cost more to mail them the check than the check was worth.
Yeah, but who has that much left after Christmas?
LOL
Every month I get a statement on my equity line. It is always for 0.00 but at least the bank is kind enough to include, every month, a return envelope for the payment of 0.00.
I got a past due notice from the Illinois Revenue Service. Said I had to pay $0.00 immediately and ifn I didn’t there’d be consequences and repercussions.
Gotta love it.
LOL
Send them a check for 1 cent. They will then have to carry you with a credit owed.
Send them a penny, and make them send you a check back.
You will get a $30 late fee if you do not pay it. I suggest you send the check for $0.00.
Our family also has no credit card debt. We are so happy about that.
No car loans, no credit card payments, only the house and that will be paid off in six months if we can keep to our schedule.
I never charge more than $100 per month on the card, I just got rid of it because it became to easy to swipe it and forget about it untill the bill comes.
Back when computers were a new thing, an electric utility sent a bill to someone who had left on vacation for a month and unhooked his power for $0.00. The guy ignored it.
A couple of weeks later, he received another notice demanding payment for $0.00. He again ignored it.
Then he got a notice threatening to turn off his electricity if they did not receive their payment for $0.00. So he cut them a check for $0.00 and sent it in the return envelope.
They stopped threatening him and the next month everything returned to normal.
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