geepondy
Flashlight Enthusiast
Last spring I bought a digital camera at Circuit City using a free interest for several months offer. When I received the first bill and a new Visa card, I found that it was thru Chase. Last month I was a couple of days (literally)late with the payment. In my defense, when first received the bill, I only had about seven or ten days before the due date and I let it sit on the shelf for a week thinking I had more time. This month I find I am socked with a $35 late payment fee and a $1 interest charge, all on a $300 balance. Now I am sure if I read the fine print, what they did is probably spelled out but I am wondering the best way for me to dispute the charge and possibly get them to rescind it and also is there a minimum allowed time to pay by law when receiving the bill. Should I call Chase directly or Circuit City? Is Chase part of Circuit City or entirely separate? I have spent mucho dollars thruout the year at Circuit City. What wording should I use for my best chance to have the charges be dropped?
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