Don't make your payment to early!
CITY OF INDUSTRY, CALIFORNIA -- This bank raised my APR to 29.46%, stating that I was late on a payment. A review of my payment history, with the company representative, showed that all of my payments have been early, in fact some of them have been over 30 days early. There is the problem, if you make two separate payments within a payment cycle they consider both as payment for that cycle, even though you intended that the second payment was for the next cycle, (over 30 days early). The bank will not budge on this saying that even though they have received a payment every month, two of them were received in the same cycle, that the next payment was late. This company had a customer who made every effort to make his payments early how do they treat the ones who do make late payments? The moral of the story is do not make a payment until you receive your statement because even if your intent was to pay over 30 days early, in there eyes, you are late and refuse to make it right for a good customer.