So sorry for the lack of posts lately. The whole family has been sick, and it's hard to just get out of bed, much less take care of Viola and myself for a whole day.
Good news: I got my $15 interest payment refunded from the CC bank. I had them mail me a copy of my contract with them, and it clearly stated that I had at least a 25 day grace period. Document in hand, I called the bank for a third time and told the rep that they were in error and I'd be expecting my money back.
He agreed that there was a grace period... except when there was a late payment posted to the account, then the grace period reset to 0 for three billing cycles... wait, it wasn't late, there was fraud on the account and I wasn't liable for that payment (you told us that already? Oops, so sorry) they'll post a fix to my account shortly, would I like to sign up for our extended fraud protection for only $12.99 a month? NO, unless it protects me against fraud from my own bank!
For a bank that took $15 billion in TARP funds, you'd think they wouldn't need to grovel for $15. I'm searching for a new credit card. Recommendations welcome.