The worst I had was I bought a couch a few years ago with no interest for a year. They call back a month later saying the couch I am waiting for will not be available, so I have to come back in, get a refund or pick another couch. I go back in and get a different couch. Six weeks passed between the initial purchase and the second purchase. I finally get the couch and had the typical monthly balances showing up, and about a day before a year ended, I paid the balance. No problem.
Several months later I decide to get a new mattress after hearing another commercial for no financing for a year, so I buy from the same place. No problem, mattress arrives a couple days later. I get a call from some guy asking me telemarketer type questions so I hang up. This goes on for a couple months. Finally I tell the guy that I am not telling him anything until he explains why he is calling...he finally fesses up that he is calling from a collection agency. Turns out I owe for the mattress despite getting a year.
To make a long story short, when I bought the initial couch, that triggered the one year period, not the date I actually bought my couch on (at least six weeks later). So when I paid, I was actually accruing interest. None of this information was on the monthly statements I was getting, in particular the dates matched with my later purchase. Turns out I had about a $3.75 debt because my balance was 'paid' off late by 6 weeks. This results in their automated system automatically sending me to collections for having a delinquent account. Total glitch, yet here I was having to deal with a collection agency and a numbered company, the company financing you is not the company I bought the couch or mattress from. The numbered company did not care about anything and the collection agency was going to hit my credit rating for owing them money that I should not have to pay for another 9 months. I had to pay the whole thing off within the week, jerks.
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