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Is it just me being paranoid? In order to avoid service charges on my
credit card, it has been my practice to maintain a constant positive
balance on the card. Enough that I wouldn't, though my own
forgetfulness, incur a service charge because some amount I charged hit
just at the due date and I forget to put money in. So now I see a debit
on my account marked REFUND AS R.
I phone the bank. I'm informed that it means REFUND AS REQUESTED. Who
requested? Not me for sure. The bank's system requested it, and, I am
told, sent me the check. And now I owe $9.50 on the account. I am told
that the back is required to refund a long-standing credit on the account.
'You mean I can't keep a positive balance on my credit card so as to
avoid a service charge?'
'Let me ask my supervisor'
:elevator music:
'Mr Charter my supervisor says the system is set up to refund any long
standing credit. She advises that if you want to keep a credit on the
account that it be no more than about $50.'
Unbelievable. So I am forced so play a sort of Russian roulette trying
to keep the balance equal to my charges and I am allowed a $50 buffer to
work with. I dunno. I feel conspired against.
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