So, we moved for the sabbatical. And in moving, Citicard somehow did not get my replacement card to me because one of the addresses they had on file didn’t have an apartment number listed. (The bills came just fine, but the card got sent back to them.) Nobody told me this, of course. I contacted Citi once to find out they hadn’t sent out the card, then a second time to find out they’d just sent the card, then a third time to find out they’d just sent out a second card because the first one had been returned but this customer service person had the bright idea to check the address on file and caught the missing apartment number and thus sent out a third card. Unfortunately when she asked if I needed it immediately I said no because I figured that I could use my other (Bank of America) card on my business trip the next week.
Fortunately for me then, that after a very stressful weekend full of work, I decided I needed an iced coffee to keep me productive on Monday morning. Fortunately too I decided to try my second credit card even though I still had a day left on my preferred card. My second card was declined.
DECLINED! Even though it said it was not supposed to expire for another few months yet. Fortunately I still had a day left on the first card or I would have had to leave the coffee.
So I called and they said I hadn’t used it in over a year. I’m like sure, that may be true (I usually make sure to use it for gas every now and then, but it is entirely possible that I let a year slip), but shouldn’t you send me some kind of notice that you’ve closed the account or that you’re about to close it? Apparently not. Or maybe that notice, too, was lost during the move. I asked them to reinstate my card. They said they couldn’t. I asked for a manager, they asked me lots of questions about my credit-worthiness and then told me the terms of the card had changed since I got it so I would have to reapply from scratch. No thank you, I said, I will use a different company.
That evening I poked around the internet for credit card options and decided on a nice Capital One card with 0 annual fees, 0 international fees (wish I’d gotten it before the last two international trips I took since I’ve been paying exchange fees), unlimited 1.5% cashback, and $100 enticement fee should I charge $500 within the next 3 months. I was, of course, instantly approved and they gave me a 30K line of credit. Stupid B of A.
So yeah, I don’t even have an ATM card because I never use cash (DH handles such filthy lucre). Except for this business trip– gotta get food at the airport. Gotta get a taxi to and from the airport. It was awful having to watch how much I spent and to be careful with the money and all that stuff I used to do but haven’t had to do in ages. I love me plastic so much. (I did take a check-book too, but not everyplace takes checks, and not everyplace that takes checks takes out of state checks.)
So, yay latte factor (even though I rarely indulge), otherwise I would have been stuck at the airport in Vegas with no way to get to the hotel (after skipping lunch because my card was declined on the plane). Or worse, starving in front of the hotel with an angry cab driver, praying that he’ll somehow be able to take DH’s credit card over the phone.
Share your credit card (or cardless) experiences, grumpy nation!
*City may have been changed to protect identity.