Thread: Union Plus

Back in 1989 I belonged to a union for about 6 months. During that time received a credit card offer from Union Plus. I applied for and received the card. I used the card off and on for a number of years, but had not had a balance on the card for quite some time when I received a balance transfer offer from them in 2007 for 4.9%. My husband had bought a truck on eBay, which was on another card so I transferred the balance to the Union Plus card with the 4.9% which was to last for the life of the transfer balance. This "bargain" lasted for a little over a year, when I received notice from them in Dec 2008 that because I was no longer a union member I did not qualify for the 4.9% rate and my new rate would be 14.9% and 28.99% for new purchase. (It took them 19 years to determine I wasn't a union member?) Needless to say, I transferred the balance off their card immediately. Here comes the rub:

My "statement date" is the 17th of the month. My "payment due date" is the 11th of the month. I had already made my December 2008 payment when I received the notice of rate hike. The payment was posted on 12/5. The pay-off was posted on 12/16. On Monday I received a statement indicating a balance of $76.00. The only "transaction" on this statement is a late fee of $15. I had to go online to get my statements since January, because none were mailed to me. According to the first statement issued after the pay-off I owed $27.50 in finance charges. The statement indicates the "previous balance" and "payments/credits" are the same amount. I made the pay-off the day before the next month's statement date, so where does this $27.50 come from? The previous month's charge for the entire month was $30.93.

Thoughts? Suggestions? I am livid over this. I have never made a late payment in my life and this statement says I'm 3 months late!