It’s such a great feeling to finally pay off my Macy’s credit card balance! Imagine my surprise when I got a statement in the mail for a $4.77 charge on my zero balanced card. Read on How to get legit and free Macy's gift card codes in 2019?
I was one credit card down and I had one more to go. I was very close to maxing out my card but once I received my tax refund checks, I paid off half of the balance. The rest of the balance was paid off earlier this month and I could finally say ‘Goodbye Macy’s!’ I’m so happy about it. A job well done!
I’ve developed this self-disciplined habit where I will only use a credit card only if I have the cash to pay for it. Doing this has helped keep my balance at zero.
But anyway, my balance is paid off and sadly I have not gone shopping at Macy’s since then. It’s good but at the same time, I am more disciplined with how I spend my money now.
I thought all was good until I received a statement in my email.
At first, I thought it was weird but I thought it might just show that I have a zero balance and it was just a statement of my closing balance.
Boy, I thought wrong.
I called customer service because it was something that I DID NOT want to pay for.
Seriously!?
Why do I need to pay for Macy’s interest charge when my card balance was paid in full?
That pissed me off. I know it’s a small amount and that it may seem like nothing to some folks, but to me, I see an amount that doesn’t belong there.
was ready to complain when I had a Macy’s representative on the line. But I stopped because he was too nice and pleasant. I’m also too nice of a person to continue and complain about it so I explained the situation. He actually waived that interest charge and he explained why it was on there.
Here is what I found out:
With each closing period, it calculates the interest charge, even though I had paid my balance off in full before the due date, the statement hadn’t closed yet.
Does it make sense?
Well, I’m happy that I didn’t have to pay for that small amount but at least now I know what to expect for the next time I get a weird charge.
But I say dispute your Macy’s interest charge when your account is paid in full, at least now you know they are able to waive it.
