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Holy credit card statement!

July 20th, 2008 at 06:39 pm

Wait. I must be missing something. I'm confused. It's my credit card statement.

I paid the full $524.00 balance on my Visa card last month but then got hit $75 in interest fees. I planned to pay it in full this month (July) and close the card down.

Well, since my paycheck has not arrived I have no money to pay the balance in full and was checking my online statement today to see what the minimum balance due is to see if I can scrape up $5 or $10 to keep up to date with the card and not miss a payment.

Heres where I am confused~
The TOTAL BALANCE on the card now is $85.75
The minimum due is $43.00??? Why are they requiring me to pay over 50% of the balance due??? Is it because it's interest?

And wouldn't you know it the minimum due is due TODAY. bah! My internal money clock has been hounding me all morning to check my finances and this is why. I inherently knew I needed to paya bill. I just wish my internal money clock gave me more than 12 hours to figure out what I am gonna do.

Does anybody know of a store I can go to to pay my VISA card? Like the way I go to Sears to pay my Discover card.

UPDATE: I went ahead and transferred the balance to my Discover card. I dont know if it will count as "balance paid" today though, the "fine print" on the transfer said it can take up to 2 weeks to transfer the balance! I REALLY hope my credit score doesnt get dinged for this.
AND
My Visa card stopped offering reward points! I'm not sure when they stopped that but I looked everywhere to collect on them before transferring the balance, and they are not being offered.

2 Responses to “Holy credit card statement!”

  1. crazyliblady Says:
    1216577102

    Do you have some kind of annual fee, credit card insurance, or other fee that you have to pay? Something like that could be where your mysterious balance came up.

  2. gamecock43 Says:
    1216577711

    No annual fee. I do contribute to two charities on this credit card, but knew that already. That is a monthly fee I just plan for.
    I just called them. They charged me $40 because I was a day late paying last months statement. Now I REALLY HOPE this transfer balance counts towards today.
    And I have 1200 points available, but no way to redeem them. Frown

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