Sometimes using that credit card is a good thing.
You’ll all recall my post about the fence contractor who absconded with my $2900 down payment (if you didn’t read it, click here). You will also recall my relief when I realized I had used a credit card for that down payment rather than a check. I immediately put a claim in with the credit card company to dispute the fence company charge as “services not rendered.”
Having heard nothing on that claim after 10 days, I called the bank and was told that yes, they were working on the dispute and that if they needed any documentation, they would contact me. By Christmas, I had not yet heard back, but I wasn’t overly concerned. The bank had told me they had a January 9 deadline to complete their investigation.
I did my best to put the matter out of my mind pending the holidays – although admittedly I cussed out that fence contractor every time we had to take Puppy Cody out on leash in the middle of a snowstorm.
Like everyone else, despite my diminished financial circumstances at the moment, I went a wee bit over budget on my Christmas spending. This morning, I went online to check my credit card balance to find out just how much over budget I am, and learned that the charge for the fence deposit has been reversed! I actually succeeded in getting my money back!
Life is good. I can start re-researching fence companies and hope to get that darn fence as soon as the ground thaws in the spring. My daughter will be pleased that Mom and Dad will no longer have to bring Puppy Cody to her house every single night to run free in a fenced-in yard.
(Note to said daughter – I owe you big time. I don’t know what we would do without your patience and understanding.)
Yay for credit!
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Images by Cordelia’s Mom