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Author: NoIDAtAll Big funky green star, 20000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 308360  
Subject: Re: Disputing charges Date: 12/16/2010 10:32 PM
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Now if you were at fault for not updating your billing address after a move, I would suggest trying to negotiate with them for removal of the note in exchange for paying the entire amount owed. Ironically the CSR may not have that option unless you're talking to their collections department; but you need to give it a try since this little ding can have a big impact on a new mortgage's interest rate.

I disagree with this comment. There is NO way I would pay late fees on top of an annual fee for a card I hadn't used in over 2 years, whether or not the credit card company had/has my current address - That amounts to usury, on their part, and I simply refuse to play such a game to a credit card company's advantage.
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