Done with CW and GS

Rollnhome wrote:
Every time I try to deal with this outfit it is a circus act. I set appointments up for the shop, when I show up they say park it over there and we'll try to get to it this week (Fairfield). When they do work they scratched the paint and did not install necessary set screws (Willisonville). When I ask for a quote on bodywork they look at the rig and don't answer or return calls for almost three weeks (Avondale).
Now to top it off. We just get back from Canada and get our mail, about three weeks worth. For some reason I have a Coast to Coast Visa, I find out today that account has been changed to another bank and I get a new GS credit card. The Coast to Coast card is on autopay.Keep very small balance on card ($100 +-) just to show activity. Never miss or late on payment. Because of the change our automatic payment was not taken by the Coast to Coast bank and we were charged a late fee equaling 25% of the balance and interest rate was raised to the "Penalty Rate" of 30+%. We don't need or really use this card but wife says it is good for FICA score.
I no very little about FICA. But I do know I am done with GS/CW. I have tried but every time I deal with them it never works out.
I don't need the "executive team" to contact me. What's done is done and I am done.

When you feel ready and calm contact the customer service dept and request a removal of the late fee and higher interest rate for the reasons you outlined above. Most companies want your business, comply with the laws regarding late fees and penalty rates so assuming your Visa company made an error, they'll remove the late fee and lower your interest rate.

HTH!

Learning about how your FICO score is assessed is a good thing and not that hard to figure out. Don't feel like being bothered? Leave it to your wife but thennn ya have to listen to her advice;).