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I just don't get it. I have other credit cards and never have I been charged a late fee for making an early payment.

My due date is on the 15th of the month, so last month I made my payment on the 3rd of the month. Then I decided to make another payment later in the month to get ahead on this months bills (got a tax refund which allowed me the opportunity), so I paid it on the 21st of last month, I checked this month and they have charged me a late fee. When I called they told me that the payment I made on the 21st (even though it was after the due date of the 15th for last months billing cycle), was applied to last months billing cycle. They said I needed to send all my payments after the 23rd of the month to avoid future "late fees".

So, I get charged $25 to pay my bill early??? Mike, the gentleman I spoke with informed me that they do not accept early payments.

I asked him to send me that in writing or some type of proof in their policies and he stated that it's in my bill. I don't see it in this bill here...hmmm Oh yeah...and their customer service reps are rude, sarcastic jerks!

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Anonymous
#549468

Hsbc, now capital one, refuses to remove late fees that were charged to me for paying EARLY!!!

tigwelder56
#277075

They offer an interesting initial offer to get your business. After that they hold you hostage with *** like this, along with an impending interest balloon rate. They're nothing more than a payday scam.

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