I don’t use my Macy’s card often. For one thing, the interest rate is pretty ridiculous. I really only got it so I could take advantage of their registry rewards program, which essentially paid for our bedding.

Last month I scheduled a payment online that would pay off my balance.   It wasn’t much, but that doesn’t diminish the excitement of having less debt. My March statement arrived today. I eagerly ripped it open. But instead of three glorious zeroes staring up at me I saw the previous balance, with $27 in fees added to it.

I manage all of my bills online. When I receive a bill, I go online and schedule a payment. This way, I don’t have to worry about due dates.

Except this is the second time I’ve scheduled a payment online that somehow disappeared. It happened last summer with a different card. I called, my issue was resolved, and the late fee was dropped — no questions asked. Macy’s customer service wasn’t as friendly, but I managed to get the late fee, an interest fee, and a payment-by-phone fee waived.

I’m no conspiracy theorist, but I’m beginning to wonder if this is something credit card companies do intentionally in hopes that cardholders will just shrug and pay the fees. To which I say…

Anyone else have a similar experience paying bills online?

 

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