I have been using Advanta for over five years and never had a problem. A couple of years ago they stopped use of the card, as they did for every card holder. No problem. I've continued making payments every month, no problem. I pay by check. Last month's payment was due the 16th. It went out the 7th. When I didn't see it go through our account, I called Advanta. On the 19th. They said they had not received the check. I was suspicious as this has never occurred, but figured maybe something went wrong in the mail and did a phone payment. A few days later both payments went through. They charged a $12.00 phone check fee and a $39.00 late fee. When I saw the late fee I called and was able to get the late fee (only) removed. THIS MONTH I sent the check out on the 1st of the month. Here it is the 12th, due the 14th. I called and they again say that they have not received the check.
OK. Now it's obvious thievery. My credit is impeccable. No late payments. Until now. Depending on how I feel dealing with thieves, I will either overnight a fresh payment, completely stop paying altogether, or maybe shower them with check-of-the-day payments.
I will definitely contact the three CC agencies and BBB.
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