Credit Card company BS! - And great customer service!

[Dredly]

Unfucking real!

I have a Cabelas Credit card and I use it a lot and buy a LOT from Cabelas... apparently somewhere in the fine print I missed the line that says "If you charge over your balance we will allow the transaction to complete however we will charge you a 39.00 fee, regardless of how much was charged or when it is paid off.

I just enrolled at school on 1/14 evening and knew I had a little more then 1500.00 open on my card, with a payment going in on 1/16. I put my tuition and books on the card, no issues, no refusal or anything, no issues. Classes cost a little more then I had planned, as did books.

Just looked at my statement and the mother fucking card company charged me a 39.00 "Overcharge fee" for going 21.00 over my limit! Are you fucking kidding me?!?! Its a credit card, if I hit my limit refuse the damn purchase!

god damnit

*** UPDATE ***

Wow just called them up to request having the ability to go over taken off and they said no problem (I never even knew that CC companies would let you go over!?!?) , I asked if they'd take off the 39.00 charge and they said they would as a one time courtesy, sweet.

Outstanding service! No impact to my credit line or interest rate or anything!

[Neo31rex31]

Deep breathes *in and out in and out*

[Grizz2720]

I had a cabelas card and had problems right off the bat. I got the very first bill the second notice and third payup now all with in one week. The payup now was nasty so I canceled the card and now have a club card that is not there credit card and I am much happier.
Grizz

[HiredGoon]

Unfucking real!

I have a Cabelas Credit card and I use it a lot and buy a LOT from Cabelas... apparently somewhere in the fine print I missed the line that says "If you charge over your balance we will allow the transaction to complete however we will charge you a 39.00 fee, regardless of how much was charged or when it is paid off.

I just enrolled at school on 1/14 evening and knew I had a little more then 1500.00 open on my card, with a payment going in on 1/16. I put my tuition and books on the card, no issues, no refusal or anything, no issues. Classes cost a little more then I had planned, as did books.

Just looked at my statement and the mother fucking card company charged me a 39.00 "Overcharge fee" for going 21.00 over my limit! Are you fucking kidding me?!?! Its a credit card, if I hit my limit refuse the damn purchase!

god damnit

Sucks, man. The last thing a credit card issuer wants to do is decline a card purchase. So of course they will find ways to screw you.

If this is the first time this has happened with this card, it wouldn't hurt to call customer service, explain what happened and ask if they will waive the fee.

They just might do it one time as a "courtesy" for you.

[Bmarshall91]

That's ok dude... i JUST found out someone has stolen my CHECK CARD that's attached to my checking account!!!!! they've just today ran up some pretty hefty charges... it seems as though i paid a TON of money for someone to eat at Steel city restaurants today.... hope that shit was good!

[algoesfast]

Bmarshall91 I'm sorry to hear that but it made me laugh. No good can come from credit cards. Watch your interest rate they can raise it for going over your limit. Also in the small print.

[Evolution]

Unfucking real!

I have a Cabelas Credit card and I use it a lot and buy a LOT from Cabelas... apparently somewhere in the fine print I missed the line that says "If you charge over your balance we will allow the transaction to complete however we will charge you a 39.00 fee, regardless of how much was charged or when it is paid off.

I just enrolled at school on 1/14 evening and knew I had a little more then 1500.00 open on my card, with a payment going in on 1/16. I put my tuition and books on the card, no issues, no refusal or anything, no issues. Classes cost a little more then I had planned, as did books.

Just looked at my statement and the mother fucking card company charged me a 39.00 "Overcharge fee" for going 21.00 over my limit! Are you fucking kidding me?!?! Its a credit card, if I hit my limit refuse the damn purchase!

god damnit

You think that's bad. My bank charges you $35 for authorizing the charge and another $35 when the charge actually posts to your account. They claim you can opt out of this and that is is for our convenience. I only overdrafted by 12 cents the first charge and $4 on the second charge. Bam just like that $140 in fees. BS man and I feel your pain!

[God's Country]

Unfucking real!

I have a Cabelas Credit card and I use it a lot and buy a LOT from Cabelas... apparently somewhere in the fine print I missed the line that says "If you charge over your balance we will allow the transaction to complete however we will charge you a 39.00 fee, regardless of how much was charged or when it is paid off.

I just enrolled at school on 1/14 evening and knew I had a little more then 1500.00 open on my card, with a payment going in on 1/16. I put my tuition and books on the card, no issues, no refusal or anything, no issues. Classes cost a little more then I had planned, as did books.

Just looked at my statement and the mother fucking card company charged me a 39.00 "Overcharge fee" for going 21.00 over my limit! Are you fucking kidding me?!?! Its a credit card, if I hit my limit refuse the damn purchase!

god damnit

Sorry you got hit, and I can appreciate your frustration, but it's your responsibility to read the fine print. You agree to play by their rules. I’ve had a Cabela’s visa for about 8-10 yrs. Never had an issue. In fact they are a pleasure compared to some of the others I’ve had over the years. You exceeded you credit limit by a small amount. I’d call customer service and hash it out. A couple times I was a few days late on a payment. I called them and they waived the late fee. Granted I almost always pay off my card, don’t know if that made a difference.

[Gary737]

Unfucking real!

I have a Cabelas Credit card and I use it a lot and buy a LOT from Cabelas... apparently somewhere in the fine print I missed the line that says "If you charge over your balance we will allow the transaction to complete however we will charge you a 39.00 fee, regardless of how much was charged or when it is paid off.

I just enrolled at school on 1/14 evening and knew I had a little more then 1500.00 open on my card, with a payment going in on 1/16. I put my tuition and books on the card, no issues, no refusal or anything, no issues. Classes cost a little more then I had planned, as did books.

Just looked at my statement and the mother fucking card company charged me a 39.00 "Overcharge fee" for going 21.00 over my limit! Are you fucking kidding me?!?! Its a credit card, if I hit my limit refuse the damn purchase!

god damnit

Can you drop a few more F'bombs and a few other choice words? Nice.

[Boomer]

Banks, like Government contracts, are adversarial

Join a Credit Union




.