Day: October 28, 2019

Writing #1 (Cash Flow)

My spending catches up with me, creating a delicate situation at the end of October

Some procrastination, things that could have been accomplished far in advance

But the critical day arrives and Patou negotiates a series of financial manuevers
-direct payment of card
-advance and then shuffling funds

And the banks let him down.
One Credit Card did not make the payment
The second credit card saw two transactions for the same amount to the same account, then flagged and deleted the transaction

A call to the Big Bank explained they couldn’t do anything (and that paying their Credit Cards with their Advance was not allowed (and could be negated or not allowed in the future)

So Monday arrives with disappointment
The payment to the Credit Card rushes through
Although the advance from that same bank, never arrives

Patou’s account with the small-bank is over-drawn
So he calls that bank
They answer the phone and address him by his name
(no Social Security Number or Account Number)

And they may charge him $35 and let it fly

So . . .
Why do you patronize these other Banks?
-Pay $95 to Chase
-Use the Air France Card for mileage and rewards that will never materialize

Consider
-American Express
-Capital One Cash Rewards
-Discover Rewards

And Save for Later:
-Bank of America
-Chase
-Citibank