Decades of Loyalty Undone by a Lost Check
For years, a dedicated credit card user enjoyed the perks of accumulating airline miles through two cherished credit cards. Always paying in full and on time, their financial discipline was unquestionable. However, a routine payment by mail led to an unexpected crisis.
The Payment That Vanished
After mailing checks to cover the balances, the user noticed the payments hadn't cleared after three weeks. Assuming the checks were lost, they stopped payment and settled the bill online. But then, the original checks surfaced, were returned due to the stop payment, and despite the online payment, both cards were abruptly canceled.
Fighting Back Against Automated Systems
Multiple calls to customer service and conversations with supervisors yielded sympathy but no solutions. Applications for new cards were rejected, leaving the user in a frustrating limbo despite a high credit rating.
Seeking Human Intervention
The advice? Persist with customer service until finding a rep who can genuinely help. Escalating to the bank's executive office might also bypass automated systems. While the Consumer Financial Protection Bureau was once a reliable ally, its current state leaves its effectiveness in question.
A Safer Way to Pay
This ordeal highlights the risks of mailing checks amidst rising mail theft and check fraud. Electronic payments emerge as a safer, more secure alternative.
Alternative Routes to Rewards
Losing airline-branded cards doesn't mean the end of earning miles. General travel rewards cards offer flexibility, allowing miles to be transferred across various airlines and hotels, ensuring your travel goals remain within reach.
Image: Woman's hand writing cheque, close-up - Getty Images
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