Went to the dentist last July and had some work done. $2500 for a Valplast partial where i'm missing two mollers. The receptionist talks me into openning a
GE Capital Consumer credit account to pay for the $2500. She states I have 18 months interest free. I see no contract but sign my life away knowing better. Anyway- 2 months have passed no bill so I call the dental office and get the number for GE. I call and the woman says we sent you a bill but nothings due. I tell here I would like to start paying the account off and I set it up as a Payee in Wells Fargo Bill Pay. I get a bill next month and it states nothing due with a balance of $2300. I pay $200 three weeks later...OK next bill I get a late fee and states payment was made late. Really? How can this be? So I call again and the lady says I will reverse the late fee and I ask what the due amount is and she says next payment of 48 dollars is due in another month...So I continue to pay three times+ the minimum payment and set up my payment everymonth. Didnt pay attention to the bills for a couple of months and just paid the same time.
I open the bill last night and it states I have been late 6 times at $30 a pop and they cancelled the no interest and added $400 to my bill. I was ahead 25 days in my payments and what they said was one was made before the due date of the next month so they added both payments to the prior month and put me 5 days behind schedule. Just enough to levy late fees and jamb me...So as I already knew not to get involved with this type of bullsh_t. I keep learning lessons over and over...
Sad thing is I really tried to make sure this couldnt happen and it did anyway because I should have looked carefully a there trickery on the bills. I believe thay are designed to foul you up and get there money...
My argument was that even if I payed it late one month it should have carried over and been satisfied with my payment five days later of 3 times the minimum due the next and not to continue to be late. Thats what every other company does.
I was wondering how they were going to get the interest out of me in the long run. I figured they would screw up the last payment accounting and jamb me for all the interest at the end somehow.