On Thu, 13 Jan 2005 23:27:23 GMT, "George E. Cawthon"
wrote:

Duane Bozarth wrote:
"George E. Cawthon" wrote:

...

... So, I had a large charge on my card and was
told that I didn't have to pay it until the issue was
resolved (even says that in the fine print), but I didn't
believe that so I paid it. Later I found out that if I had
not payed it, I would have been charged late fees and
interest even if Dell did give me credit. ....


If you make a formal complaint to contest the charge, there are no fees
or interest on that portion of the charges.

Wanta bet? That's the way it is supposed to be, but if you
pay off all but the contested charge, they will charge
interest on the contested charge, and then the next month
when you don't pay it, they will charge a late fee and
interest, etc. You should get it back, but in the mean time
your credit rating goes down and the interest rate
increases. And you may not get it back and sure as hell the
credit rating and the interest rate won't change back. In
my case, one of the personnel flatly told me that I would
not get the interest and the late charges reversed.


So? If you have a disputed charge -- pay the full amount to the CC
company, the amount is still in dispute and should you prevail, you will
have a credit. If the adjudication crosses billing periods, you will not
have to worry about interest or late charges, and if your case is refused,
you won't have late charges or interest added to your account as you would
if you had not paid the amount.




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Now we'll just use some glue to hold things in place until the brads dry

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