I’m so worked up right now. I’ve been a Citibank credit card holder since ’88. I have perfect credit. No, really, last I checked my Fico was through the roof good. I’ve also noticed that each month that I’ve gone to pay my Citibank card my due date has changed. And not by just a day or two. We’re talking, over the past year or so, it’s changed by weeks!
I used to be due mid-month, by the 13th. Then suddenly I’m due by the 7th. Then the 5th. Then the 3rd. I’m sure you see where this is going. Today, the 3rd, I go to pay my bill and it was due by the 2nd!!!! What.the.fuck?!?! Basically, I’ve been paying late fees for the past however many months because they keep changing my damn due date and I keep missing it by one day.
So today I called up and asked WTF. Of course, I get the run around that the dates will always change because of Leap Year and how many days are in each month. To which I reply, yeah, sure, it will change one or two days each month, but not by TWO WEEKS! I pointed out that I’ve been with them since ’88 and that they’ve gotten a small fortune from me due to these damn changes. Not to mention that they’re charging me 18.99% (lucky for me I rarely carry a balance on this card). And come on, even my rent has a grace period of a couple of days and isn’t considered late on the 2nd.
Of course once I mentioned how long I’ve been with them, she was suddenly and quite magically able to assign me a specific due date and drop my rate down to 9%. Funny how that works. I mean she didn’t even need to think about it or check into anything, she was just able to slice it in half just like that. What a scam!
I’d read that credit card companies were doing this date changing thing now hoping to earn some money in late fees. It just pisses me off. I guess I’ll just go back to only using the Amex and making sure that we only use the Citibank card as a last resort. If it wasn’t for the fact that I like having one credit card in my name only (you never know) and that I’ve been with them for 20 years, I’d just dump them all together.
The lesson here, go with the assumption that anything that’s due to a credit card company nowadays needs to be in their hands BY the first of the month. Regardless of what the due date actually is.