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You want your money? You're going to have to pay for it

10/21/08 | by Adam | Categories: Silly

A few months ago I decided to get a new credit card due to, well, greed really. Anyway, I kept the old one for emergencies such as when I left the new one at a Houston restaurant like Pappadeaux (most excellent crab cakes by the way) shortly before flying home.

A bit after I moved to the new card, I cancelled an online order due to the vendor being unable to deliver. Since I'd paid using the original credit card, that was the one it was credited back to. As I wasn't using the card, this credit has sat on it, unused, for months. Eventually I figured I'd just use the online banking to transfer the balance to the new card. Well, you can't do that; y'know, not allowed to use one credit card to pay off another. It makes sense when it's credit (i.e. money you owe being used to pay off other money you owe) but a bit less when it's money owed to you. Still, rules are rules so I transferred the balance back to a savings account.

Today I found the $2.50 cash advance fee on the credit card. Yup. Bringing my balance on that card to $0 counts as a cash advance, and that they charge for.

All I can say is that I am stunned the financial industry can lose billions because they clearly have billing their loyal customers down pat.


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