[disneysteve]

Originally Posted by PRICEPLUS

sometimes the address changes for the CC or the grace period changes. Sometimes people lose jobs or have accidents that leave them disabled. Sometimes middle class people have a world of hurt dumped on them and then the buzzards swarm! The people who are least able to pay get hurt the worst!

I understand and agree that sometimes bad things happen and cause people to miss a payment, and I absolutely agree that fees like this have the hardest impact on the poorest people.

But at the same time, a lot of this does come back to personal responsibility. It is your responsiblity (generic "you", not you personally PRICEPLUS) to keep track of how much money is in your checking account and not to write checks for more money than you have no matter what your situation may be. If you don't have any money, stop writing checks.

As for ATMs, lots of people go to the machine several times a week, even every day, then complain about the fees. Why not just go once a week and take out enough for the week and limit the fees you have to pay? Or use your bank's ATM or actually walk into the bank and pay nothing to withdraw the money?

As for the CC changing the address, I suppose that happens, but do they change the address between the time they mail the statement and the time the payment is due? That would be pretty sleazy to mail a statement with a payment coupon and then not honor it when the customer mailed it in a week later. I'd certainly have a problem with them charging a fee for that when it was their mistake.