I got 2 nasty financial surprises this week:
1. A $25.00 over limit feeon my “low limit” Visa
2. A call from the place I bought my car from saying they’d forgotten to charge me HST!
I have a Visa I’ve had since university with a limit of 500.00 on it. I mostly use it for online things – shopping, ordering in food, making donations, etc. And in the entire time I’ve had it, I’ve never gone over the limit before now. I used a Wagjag and paid the difference with Paypal, and that put me over. Sigh. I’d always just assumed the card would be declined if I was over the limit. So – I will be calling Visa to see about getting that fee waived. And keeping a better eye on my spending!
The other surprise was much nastier – I came home to a message saying they’d forgotten to charge me HST on the used car we bought. It’s on the bill – but just not included in the total. I did read the bill and checked all the numbers on there seemed on okay when we paid for it – but I didn’t actually double-check they added up correctly (I know, I know – what kind of PF blogger am I?!). So I ran through it again and they’re right – they put down the HST, but didn’t actually charge me for it. We have a cushion, so we’re okay – but again, if I’d been paying closer attention, this wouldn’t have happened! They were very apologetic, and apparently this is the first time it’s happened in 5 years. So I’ll go over later this week to pay up – but on the up side, I can put this on my credit card, so I do get some points for it!
What’s the nastiest financial surprise you’ve ever had?