Those of you who read this blog on a regular basis remember my credit card problem. If not, let’s recap:
- In October, I found a charge on my credit card for $340. It was from Google advertising.
- I promptly disputed it.
- Three months later, the CC company told me that they investigated the charge and determined it was valid
- The reason for that determination was that the vendor had provided documentation.
- I asked for a copy of this documentation.
In the meantime, I was not happy with the support I was getting from the credit card company, Barclay bank, so I decided to apply for a card from another bank. I figured that with a credit score of 815, I could get any card I wanted. I was correct. I got a cash back card with a large credit limit and even more favorable terms than the one I was using.
I recently got a call from Barclay’s management team. They decided that the charge was not authorized after all, and told me that the charge would be credited back to the card. When I asked the manager where the documentation was that I requested, the caller danced around it and made vague noises without actually admitting what I already knew: they don’t have any documentation.
Taking the charge off was too little, too late. My new card came in the mail today and I will be taking my business elsewhere. Of course I won’t cancel the card. I will simply stick it in a drawer and stop using it. That way it stays as a positive tradeline on my credit report.