AestheticDeath
11-22-2010, 06:50 PM
So, I got an offer from a credit card company for one of the 0% interest transfer rates. I took the offer, transferred my money over. Got my bill. My bill said absolutely nothing about the special transfer, not when it occurred, and not when it ends. I went to the cards website, and it was the same thing, no start date, no end date.
I only really took notice of the missing info a few months after the transfer. Which is why I couldn't look back far enough online to get the info as it only goes through 3 previous months. And I couldn't find the one actual paper statement that had the balance transferred to it. I did find the transfer details later though.
I was however getting the 0% interest.
So I used that websites email, and asked them to put all that info on both my online and paper statements.
They replied and said no.
They did state the end date of the special transfer interest rate, which is four months farther away than what it should be from what I now know. And said after the end rate it would go back up to 4.99%.
All that to ask, Is it legal for them to not list the end date for special transfer rates on your bills?
And they say in the correspondence that it now actually ends 16 months from when the transfer actually occurred. But, should I take that as they gave me extra time, or that they don't know their dick from their balls, and I am probably going to get charged extra interest earlier than that? If I DO get charged interest before the currently stated end date in this email, is there any way to use that as a back up? There was not a name with the email, just signed Capital One.
Edit: Bit more detail... I got the offer from them in the mail, but I called them over the phone to do the transfer instead of using the checks that were mailed. So I have no 'payment' transfer paper trail I guess. Should I try calling them to ask for a letter stating when the transfer occurred, when it ends and all that so I have an official paper trail? Something with like a name? Some supervisor or CEO or something...
I only really took notice of the missing info a few months after the transfer. Which is why I couldn't look back far enough online to get the info as it only goes through 3 previous months. And I couldn't find the one actual paper statement that had the balance transferred to it. I did find the transfer details later though.
I was however getting the 0% interest.
So I used that websites email, and asked them to put all that info on both my online and paper statements.
They replied and said no.
They did state the end date of the special transfer interest rate, which is four months farther away than what it should be from what I now know. And said after the end rate it would go back up to 4.99%.
All that to ask, Is it legal for them to not list the end date for special transfer rates on your bills?
And they say in the correspondence that it now actually ends 16 months from when the transfer actually occurred. But, should I take that as they gave me extra time, or that they don't know their dick from their balls, and I am probably going to get charged extra interest earlier than that? If I DO get charged interest before the currently stated end date in this email, is there any way to use that as a back up? There was not a name with the email, just signed Capital One.
Edit: Bit more detail... I got the offer from them in the mail, but I called them over the phone to do the transfer instead of using the checks that were mailed. So I have no 'payment' transfer paper trail I guess. Should I try calling them to ask for a letter stating when the transfer occurred, when it ends and all that so I have an official paper trail? Something with like a name? Some supervisor or CEO or something...