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Online Payments--Just Venting

April 15th, 2016 at 10:41 am

You know, the credit card companies want you to pay online. They want paperless billing. They want to not have to deal with humans in person as much as possible. So why do they always insist on doing the upgrades to their online payment systems on Fridays? It's only the day that most Americans have their paychecks deposited and pay their bills.

Either they don't think it through, or they are hoping most people will wait until the last minute to pay it and then get a late fee or a pay by phone fee because they can't actually pay it on time with the system down. My guess is the latter.

My bill isn't due for another week because I never wait until the last minute, but it is annoying as I want to pay it today. So now I have to go down there in person, which fortunately I can do, if I want it done today. I have to pick up something on that side of town today anyway.

What I really don't get is that I was able to pay my BoA VISA just fine from the same portal, but when I tried to pay the BoA Master Card my daughter used at the Con she went to, it is down. I tried to pay it both before and after I paid the VISA, which went through just fine. I suppose it could just be they are working on the MC side of things and not the VISA side of things.

BoA is getting my stink eye for today. I never have this problem with the other credit cards, actually, so maybe it is just them. There is a reason I refer to them as the evil empire.

4 Responses to “Online Payments--Just Venting”

  1. househopeful Says:

    I love the stinkeye comment! I don't know that the planning of the timing was as nefarious as all that. Upgrading their system would affect many areas that need to run during traditional M-F hours. Not to mention it would mean a lot of workers being paid to sit around while the systems or down. Doing it in non-productive hours (weekends/overnight) probably is more cost effective. I have seen it with friend of mine who have to do overnight testing for systems (including a hospital).

  2. ThriftoRama Says:

    Yep. It's very frustrating and inefficient.

    I pay the cc through my online bank account now. I've got all payment info in there, I log in, pay the cc, and the money is instantly gone from my account. If I do it on Friday, it usually posts Monday or Tuesday. That way I avoid the crappy CC site!

  3. LuckyRobin Says:

    It finally came back up right before I had to leave the house for physical therapy, so I was able to pay it online after trying all morning.

  4. rob62521 Says:

    Very frustrating. Customer service is nonexistent anymore and updates are never what helps the consumer. Good thing you are organized and keep on top of stuff.

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