Banking Online

For the past year, we have enjoyed paying for certain credit card bills online and at night too, directly from our account with the Bank.

Last night on logging in the Bank website, we were surprised to see that the prepayment instructions for the payment of a credit card had been reversed. This bank allows you to book payment at a certain date. We have been doing this for a few months now. How come, no payment was made last month when our account was in a healthy credit balance?

A phone call to customer service was promptly made. They will look into it.

So this morning a trip had to be made to the bank, despite the difficulty in getting a parking spot.I had to wait in the car while my husband went in to inquire. We received a call from the Bank about half an hour later and was informed that the instructions were not carried out because the amount was more than what was owing on the credit card.

This did not happen in the previous months. Someone had added a program that the client can pay less than or equal to the amount owing but if a bigger amount is paid they have to reject it. It is so preposterous. Even, it they want to do it, they could at least have informed us when we make the payment, like some online credit cards do.

So we managed to get them to cancel the late interest and finance charges and paid the exact amount owing, online at the present date and not at a future date. Funnily, if you pay at the ATM, you are allowed to overpay. Actually the brilliant programmer could have programmed to refund the excess back into the savings or current account of the client.

Or, the bank purposely want us to pay more, reject it and charge penalty for late and non payment so that they will earn more. That's something else then...