Saturday, May 30, 2009

Please Remit

I cleared off my Chevron/Texaco credit card over a half year ago and hadn't used it since. So when I decided to open up a statement that they sent me the other day I was surprised to see that they said I had a balance of $37 on the account.

It seems they automatically, without my knowlwdge or consent, enrolled me in some bullshit plan called a "travel club" a couple of months ago, billing the account for $25. Since I didn'y pay their $25 in April the subsequent bill dinged me for a $10 late fee plus $2 in a minimum finance charge. If I hadn't caught this, Chevron/Texaco would have had a field day dinging my sorry ass for failure to pay their bogus crap with late fees and compound interest.

Let's take a closer look at their statement.

That's an annual 84% interest rate. Have a nice day.


Anonymous nick z said...

I think I know how they probly enrolled you on this bogus plan of theirs. I learned some time ago that you have to be very careful what you say when you talk to these people on the phone or elsewhere. Apparently, all you have to do is agree to "let them send you something in the mail" about a particular "plan" or whatever they call it, and they will automatically activate the plan.

After I learned that the hard way, every time they called me on the phone I had to reject any offers they made about any "plans". When they asked me if they could send me something in the mail, I had to say "NO, don't send me anything!" otherwise they would have hit me with another extra finance charge, whether I wanted it or not.

They are very sneaky about these things. They are always looking for ways to take more money from credit-card holders.

31/5/09 9:10 AM  
Blogger nolocontendere said...

Absolutely, nick. When I worked in a liquor store some years ago we'd get lots of calls from vendors, like office supply people. They'd ask, "is your business at so and so address?"
If you innocently said yes, in the following days we'd get two lifetime supplies of computer paper.

Problem is with this latest scam on me, I haven't been in communication with Chevron/Texaco since last year. It may be that they sent me notice that they'd enroll me in some asinine program if I didn't get back to them and tell them no, a a pretty shitty new development in ripoffs.

31/5/09 6:18 PM  
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