Quote:
Originally Posted by SandyC
Diane, thanks for the advice and background on your experience. I have never been in cc debt nor do I personally abuse my cc. I also know how the cc companies work since I have been an adult for some time...haha I do take it personally when I have been a loyal and faithful payer to my cc and never late. I do take it personally when I call to ask a question and I am treated like an idiot. I do take it personally when they are getting paid to answer my questions and not the other way around.
Simply put, I have money to pay my cc's. I can choose who I want to conduct business with. I have been with my cc company for four years and have never been charged a late fee, ever. Someone at the company did not take the $1000 I sent and apply it to that months bill. I specifically sent the payment in for that due date so I am not buying into the excuses. I can take my money elsewhere and have that right. It's not personal, it is my business to make it business on my part. 
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I had a similar problem as you and Cayo.
Had the same card for 7 yrs, never late on a pyment. suddenly got hit with 3 late payments and fees, plus a way higher rate. Kept calling and being talked to like dirt.
Got my cancelled checks back from the bank - they don't give them back now, just photo copies - and sent them to the CC company. I had PROOF I had sent them in plenty of time and they had been cashed and returned to my bank before my due date.
I was fuming.
I cancelled that CC account. Had another card for a year. For NO reason - not late on any payment with anyone! - they raised my rate almost triple. That was not in their fine print anywhere.
My last car payment... never late on any of them. The finance company paid it towards the wrong account. Called me to say they were going to repo my car! I got that check from the bank too.
So it's not US, it's THEM.
CCs do nothing for your credit, BTW, they are nothing but a liability. You want a better credit score? Buy something *90 days same as cash* and pay it off.