In an effort to be a good little debt destroyer I made my credit card payments just after the cut off for the month(on the 23rd) to a.) reduce my interest as it is calculated on a daily basis, and b.) get some of my payment out of the way before Christmas so I wouldn't be putting it off. Big Mistake!!!!
Apparently Credit Card #2 does not have a set cut off date and although none of my statements were cut off later than the 22nd of the month, they decided to make the cut off the 24th. This means that my monthly payment was applied to the prior month, thus requiring me to make another $500 payment, that I thought I had already paid!!! GRRRRRRRR!!
After throwing some things around my home office I called the company and explained my situation. The friendly CSR on the phone indicated there was nothing he could do. Although I did consider asking for a manager I figured an extra payment on my credit card (especially since this is my highest interest debt) would not be the end of the world. Problem is: I have to manage my finances to come up with the $500. Oh well I guess it wouldn't be a challenge if it were easy.
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