F!@# CapitalOne

[FishermanTim]

If you can make their system work for you, all the better.
Some people will do the "transfer balance" game to get a lower interest rate for the transferred balance. Sure it saves some $ in interest, but you have to be vigilant and not miss a payment.
Once you miss one payment, they screw you.
I have only small incidental items that I cg=harge during the month, so my balance is typically under $30 on any given month.
What I did was purposely overpay by sending a payment of $100.00 to see what they would do.
Well, if you send more than what is due, and they credit your account the full payment amount, they HAVE to pay you interest on the balance that is carried over. They don't like that, so they sent me a check for the remaining balance.
I overpaid again for a lesser amount. Man, I love sticking it to them!
I also LOVE mailing thier crap offers and junk mail back to them.
I also return those blank checks with VOID written in permanent marker. Like I said, I like sticking it to them!

[Duke41]

Originally Posted by FishermanTim

If you can make their system work for you, all the better.
Some people will do the "transfer balance" game to get a lower interest rate for the transferred balance. Sure it saves some $ in interest, but you have to be vigilant and not miss a payment.
Once you miss one payment, they screw you.
I have only small incidental items that I cg=harge during the month, so my balance is typically under $30 on any given month.
What I did was purposely overpay by sending a payment of $100.00 to see what they would do.
Well, if you send more than what is due, and they credit your account the full payment amount, they HAVE to pay you interest on the balance that is carried over. They don't like that, so they sent me a check for the remaining balance.
I overpaid again for a lesser amount. Man, I love sticking it to them!
I also LOVE mailing thier crap offers and junk mail back to them.
I also return those blank checks with VOID written in permanent marker. Like I said, I like sticking it to them!

that is so great what is the minium amount you can over pay the %$%$%$%$ers

[FishermanTim]

I was sending in $100.00 to see what they would do.
They have, since the end of last year, started send me a check for whatever balance I had ovepaid by.
i guess they don't like having to pay out.

[FishermanTim]

I wouldn't be the least bit surprised if they once again changed their rules regarding overpayments so that they don't have to pay us interest.
We all know how diligent they are at letting the customers know when they change their rules, typically at a drop of the hat.

I still prefer to screw with them, fully within the boundaries of legal consumer practices.