Question by ShadowC: Best Buy Credit Card Company Ruined My Credit By Not Informing Me Can I Take Legal Action? I just found out that for the last 3 months my payments to my credit card from best buy have not been going through. The reason, was insufficiant funds because I as unkowningly sending the money from the wrong acount. This was completley my fault, and I have been charged $ 75 from both my bank and the credit company which sucks. Heres the part I feel am entitled to compensation, every time I checked the account on the site to see if the payment has gone through, it CLEARLY showed that there was a payment made. The format is as follows Current balance:$ ###.## Available credit:-$ ###.## Total credit limit: $ #.## Last payment amount: $ 105.00 <---- Last payment date: 04/07/2010 <---- Minimum payment due: $ 156.00 Payment due date: 05/04/2010 Recommended mail-in date: 04/23/2010 It says NOTHING about a returned check, a fee of $ 25 (x3) or about it hurting my credit. Please any legal advice would be appreciated I'm due to ship to basic training on the 25th of next month and bad credit is a good way to be kicked out of the USAF delayed entry program. Thanks for the answers I feel better knowing that it was my fault and this is a common practice instead of feeling like I was tricked, Live and Learn. Best answer for Best Buy Credit Card Company Ruined My Credit By Not Informing Me Can I Take Legal Action?:
Answer by Ty
Well, I'm sorry to hear that bad credit can hurt your chances of remaining in the USAF delayed entry program but this is completely your fault. The fact that they had reported on the statement or online that you made a certain payment doesn't mean it was not primarily your responsibility to know the balance of your bank account and the balance of you credit. This is the same as if you have a checking account or something and your online available balance wasn't updated and you went over your account balance because you relied on the bank. This would be your problem too and you would still be charged the overdraft fee. You are responsible for this. End of story. Sucks. Good luck in your future endeavors.
Answer by Hd
that was before they knew your checks were no good. companies usually send a check through twice and this takes time. not much you can do, you admit is it totally your fault, how in the world can you blame them for something you did? explain the situation and hope they will waive the fee's. don't even bother asking the bank, they won't do anything.
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Most people are aware to exploit the ancient game of cards, 0% balance transfer agreements to avoid paying his debt, a balance from card to card, always moving along to avoid the debt before the end of the interest expenses Started with almost unlimited.
Although this still works well enough, the introduction of balance transfer fees which many people have cooled the enthusiasm for this activity. Although it is still possible to save in this way,is not completely free, and in any case, the tightening credit market may be more difficult to obtain a credit card these days, especially if you have debts or less than perfect credit rating. Approaching the time for a lot of people who think seriously trying to finally clear this debt, and that they be set to a different card.
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This is a more subtle approach to 0% job in your favor, however, and since onlyapply to people without good credit ratings and has been the introduction of balance transfer fee, although not desirable, not as obvious.
We appreciate the work speak informally known as "stoozing.This practice requires card balance transfer credit card account that allows the plant used to pay other debts and overdrafts instead of one. Not all motherboards allow this, so check the small print before.
The base The technical rating is likely to acquire a credit card with a credit limit high (hence the need for a good credit rating) and use it to pay 'discovered' your ride into consideration. Actually, it should not exist, but your credit card this until you choose to learn an identity card issued by your bank!
If you transfer your credit limit on your full bank account, you can transfer the amount in a high interest savings> Accounts sit where it is time for the duration of the introductory and consistently earn their money back in interest payments before transferring credit card debt to be clear before interest begins.
But how effective can it really be? Let's look at some numbers.For a simple example: suppose you have transferred a credit limit of $ 10,000 for a period of 12 months. This will earn $ 600 a year if it deserves one of the best buy accounts 6%more in interest. Of course, these days are a balance transfer fee is likely, at a rate of 3% to cost $ 300 to $ 300 in profit.
This represents a yield of 3% for the deposit of $ 10,000, which may not be impressive â€" until you remember that the initial investment made by your money, but funds from credit card company, so it's really for the money nothing.
Of course, the amount that can be done with this technology are on the level ofdifferent prices and fees for credit cards and savings accounts using individual and in most cases tax is also due, but the math is easy to see when it goes further. And to be even if the actual gain is involved is not very great, now that the balance transfer fees are here to stay, there are at least a little satisfaction from benefits at the expense of big corporations!
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