So what's the point? All she could say was yeah that's right. One moment you're telling me I can fax proof for future payments if a hold is place on them however you're ending your statement with the hold will not be removed even if I send proof documentation. you do realized you are contradiciting yourself. That is until she said "once we put a hold on a payment it can't be removed". it would seem I would stand a good chance on having the hold release if she was telling the truth.
Maybe I'm missing something here or I'm not comparing and calculating the difference between the number of days I can provide proof the payment cleared via fax vs mercury cards fax processing timeframe of 3-5 days correctly. Well the rep then replies yeah you can do that BUT we put a hold on a payment it can't be removed. I respond with there's a good chance on day 3 I could provide you guys with proof the payment cleared my account.
The rep says we hold the payments for 7 days, it takes 3-5 days to process any faxes and 5-8 days to process any mail correspondence. Of course I was a little puzzle had to inquire what do you mean, the payment clears my credit union within 2 business days. The rep says but by the time we get your proof the hold would be removed. I asked is there a way I could fax proof from my bank that the checks/ACHs cleared to release the hold sooner. This time I paid $360 on 6.2 (balanced charged), made a few charges on 6.6 therefore once they posted I paid the new bal $240 on 6.10. Now all of a sudden within the last 2 months I have noticed a few payments are being held. Of course I explained if you review my history you will see I have made payemnts back to back (2 days in a row) in which neither payment was held & there are times I made payments weeks apart in which the payments was not held. IMO back to back would be consecutive payments. Not sure what she means by "back to back" when sometimes I pay 2 consecutive days or it's a week to 2 weeks apart. This does not make any sense bc I have made 2 payments back to several times. 1st the rep said oh they reason they placed on hold on your payments is because they were made back to back. Because they'll randomly place a hold on ACH/check payments I decided to break some large payments up (i.e.charged $600 made 2 payments, 1 for $360 & 1 for $240) however both payments were held.
Mercury card full#
I like to pay my balance in full each month to avoid finance charges and having a balance. Sometimes it's held based on the payment amount although it does not matter if the payment is $200 - $1000. I truly hate Barclay sold my account to Mercury mastercard! Not only are their issues trying to find out any benefits to having their mastercard, hard to get a credit line increase, NOW they are holding my payments. missed the keep it for utilization.Ħ.13.19 Anyone running into issues with mercury cards holding payments? seems I have read some weird things that pop up.
That said, one needs to still watch it so something doesn't happen like the info gets stolen or the lender places some charge on it such as an "inactivity fee". That said, personally I would either close a card or sock draw it, not shred it. I think at least some of the posters know this, one said they are keeping it open for util, shredding just makes sure that they will not use it for purchases. Otherwise, they will not know and could potentially leave you with an open liability for whatever! Contact the lender. shredding the card does not close the account! You need to officially and formally contact the lender and inform them of your desire to close the account (remember they may have language in their Terms & Conditions of Account Membership on how they close accounts - yes this is all a pain).
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