Overlimit Fee Reversal(Other)

742668531133...45966

$-39.00

aw, cheers to amazon chase visa. they heard my plea!
I never expect a non-personal business to be amenable.
but they were, they were. I'm moved.

(I thought they had not responded, bcs had not seen an email reply.)

and, ok, if ever need to talk to someone by phone: If you need to speak directly to a Customer Service Representative or have an urgent issue, please call the telephone number on the back of your card. "For 24 hour cardmember service call (888) 247-4080."


Date: 11-07-2007 00:46:43. From: Credit Card Support
Dear ... We apologize for any inconvenience this may have caused you. We have credited your account for the $39.00 overlimit
fee. You will see this adjustment on your next billing statement. Please be advised that an overlimit fee is assessed
whenever the account exceeds the assigned credit limit at any time during the billing month. Our records indicate
that the account went over limit before the payment posted to the account. We would like to provide the following
tips to avoid future overlimit fees.
- Monitor your balance. You can obtain your available credit information by calling our toll-free Customer
Service number or by visiting our website.
- Remember that, even if you have made no new purchases, finance charges could be billed to your account and cause
you to exceed your assigned credit line.
- Call us to request a credit line increase. We may be able to raise your limit.
We realize that emergencies do occur, so we evaluate each request for credit individually as it's presented to us.
If you have additional questions or if you would like to request that your account not be permitted to exceed the credit limit in the future, please e-mail us or contact Customer Service at the number listed below. For your convenience, we are available 24 hours a day. Thank you, Russell Pereira
E-mail Customer Service Representative
1-800-436-7927


date Nov 6, 2007 9:13 PM. subject blasted Overlimit Fee
Fee Amount: $39.00. Date Charged: 10/28/2007.
Message: I am confused about whether and how I was actually over my limit.
My current "Outstanding balance" shows as " " but that figure seems to include transactions prior to my automatic payment. Maybe I am confused by how the statement balances do not line up with the payments. Looking at my "Last Statement" I see: "Transaction Total " But, looking at activity since the last statement, I see "Last Statement Balance ". Why do these two not match? Is there a way to set up my the timing of my payment so that these would match? It does look to me like the automatic payments are not represented clearly with respect to the statement periods.
Could I please be excused the Overlimit Fee this time? I appreciate any help you can give me in excusing or reducing this fee, and in explaining the seeming incongruence between apparent statement balances and payments.
As I typed this, I sort of figured it out, maybe.
My payment posts on payment due date, in the amount of the last statement balance. but by then, there are more transactions outstanding.
( and on the web page, the account does not show me each statement, with its eventual payment. but just the ongoing activity.) sth like thatt.
so, it would be better if my payment posted right after the statement period closed~ or posted in the amount of the current balance on the day of payment - is that possible? then could just ignore "statement periods" right? and go by "payment periods"?