My Dumb Mistake Using Online Bill Pay for Credit Card

It’s weekend on Sunday and I’m doing my usual routine of recording my transactions and paying bills. This is when I noticed a mistake and it’s even dumber than forgetting payment and incurring late fee.

Basically, I made a payment to the wrong credit card. What happened is that I use my Citibank account’s online bill pay every month. I am not sure what happened. Maybe I’m in a trance. Or maybe I’m high off my rear on recent market activity *sarcastic*. I sent the payment intended for my Citi Dividend card to the MBNA card instead, which I hardly use anymore. I keep it around for the sake of credit history because it’s what I used exclusively in college, and 7 years hadn’t passed since then. (Looking back now, I feel pretty old…)

So here’s the corrective action I took. I quickly scheduled a payment to my Citi Dividend that will occur tomorrow. I also paid their customer service a call, and upon describing my situation, the rep pronounced that she has sent in a notice to suppress a possible late charge. I don’t see one now and it’s 6 days beyond the due date. As far as the credits on my MBNA card, I called them to send me a check. That’s it for now, and I will have to see about the late charge.

What a stupid mistake. I totally feel like digging my head into the sand. By telling you this, I hope you won’t make the same mistake I did. You can see how much troubles a mistake can cause. This is only for a small item. Imagine the big stuff like mortgage… it’s not pretty.

That’s why it’s important to avoid as many as possible by keeping yourself in the “know”. And when you do make mistake, don’t dig your head into the sand. Instead, take action to correct it as soon as possible.

2 Responses

  1. Hi,

    It’s good that you found out the mistake soon otherwise if it had been some bigger stuff, then you’d have to pay for it in a bigger way. But it’s good that you made an exciting post with a solution to the mistake that you’ve done. It’s appreciable!

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