Well, I should give the bank a point as well. Let me explain.
I’ve been with the Commonwealth bank since I was 6 years old, when my parents opened a Dollarmite Account for me, and, in fact, I still have that account (without all the fun colouring-in stuff I used to get!) I used to take $2 in to school every Thursday in my deposit book, and watched my total slowly creep. (The I blew it all on kit-kats and Ekka show bags when I got my key card! Ha!)
Anyway, I also have a Credit Card with them that I’ve had since I was 22 and have NEVER missed a payment and NEVER EVER had to pay interest. So when I looked at my statement today to see a $25 late fee, I was gob-smacked. Then I had a look and realised we had been overseas at the time and I had gone over my interest-free period. I wasn’t really annoyed at the bank, per se, but I thought banks should work like car insurance – if you don’t claim in a year, you get rewarded. So having ALWAYS paid on time, I thought I should be rewarded.
So I called them.
Although I had to wait on hold (twice) and was on the phone for 15 minutes (not too bad, really), I presented my case to the customer care representative and she took a minute to look over my history and told me the following:
“I’ve just looked over your history and see that you are an exemplary customer, paying your credit card off and never missing a payment. I’ve refunded that $25 to your account now, and you’ll see it in the next couple of days.”
HOORAY!! As my mama always says “It never hurts to ask.” It wasn’t really about the money, more the principle, and it was a victory for me.