That’s is one phrase that I probably overuse. I’m just fond of saying that “people suck”. And every now and then, I consider stopping saying it, because maybe, just maybe, people don’t suck… and then I’m reminded that by and large, people do indeed suck.
Today I got a call from my credit card company. It seems that there was an unusual convenience check written against my account. Now, I use convenience checks all the time… see, I have this one credit card that has a 3.9% rate on transfers, with no fee, but it has a 16.9% rate for purchases… weird, I know, but I’ve learned to live with it. So, I buy stuff with other cards, and then transfer them over to the “better” card, basically giving myself 60 days to pay with no charge instead of 30.
Anyway, this one account however, I’ve never used a convenience check for, hence the reason they called. A $1000 check had been written to a “Tiffany Lane”, and signed by Jodi, my fiancee, who’s name is also on the credit card account. Well, Jodi never even sees the checks before I rip them up, so I was certain it wasn’t her. And of course, we don’t know any Tiffany Lane.
So, the process begins. They are going to close my account and issue me a new one. They will send me an affidavit to indicate which charges are not mine, and they will remove them from my account and start trying to get their money from the other direction.
When I got home today, I pulled out all my paperwork (which I’ve neatly filed ever since a previous landlord tried to double hit me with penalties I had already paid). Sure enough, I checked and this month’s statement should have reached me about a week or so ago. Some filthy scum-sucking piece of human waste stole my credit card statement out of the mail and was trying to use the convenience checks the credit card company happily provides.
Now I have to wait seven to ten days to get my new account, then go about redoing all my automatic transactions and stuff. Pain in my ass.