Care Credit, GE Money Complaint - Care Credit, GE Money - Dentist

Posted by warddw1526 on 2010-04-06:

If you know the bill is due on the 22nd of the month, and you know that you used the credit, why do you have to wait for them to send you a bill? Just as an FYI, most credit card agreements say that they do not have to send you a bill. It is a courtesy statement.

Posted by Inat on 2010-04-06:

yeah, what ward said... you know you owe it so why wait? If your statement gets lost in the mail does that mean you don't owe it? Ad for outsourcing to Indai, yeah that sucks. But I wonder if they brough those jobs back to the US if those on unempolyment would take the jobs?

Posted by tnchuck100 on 2010-04-06:

"Just as an FYI, most credit card agreements say that they do not have to send you a bill. It is a courtesy statement."

That statement is false.

Providing a statement is NOT a COURTESY it is a REQUIREMENT.
"Businesses that offer 'open end' credit [ie credit cards] also must: .... provide a statement for each billing period in which you owe"

Fair Credit Billing Act (FCBA)
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre16.shtm

Posted by PepperElf on 2010-04-06:

providing statements is one thing, guaranteeing they actually reach the recipient however can be out of their hands, since they don't control the mailing process

so if say... the mail gets lost, or if the customer moves and doesn't update his/her billing address then the credit card company isn't at fault if the statement doesn't arrive.

but the customer will still be liable to pay it.


heck there was one letter here where a customer owed a debt to one company and they sold the debt to another institution. the customer was throwing out the letters without reading them and then complained when his bill went to collections...

Posted by FlShopper on 2010-04-06:

I had an account with GE Money/Care Credit. I accessed the statement online and also paid it online. If you don't get a paper statement in the mail then you can always access your account electronically and make sure it's paid on time.

Posted by Sparticus on 2010-04-06:

Definitely do the online thing. I have two accounts with GE Care Credit. I setup automatic online payments for both so that it pays the account off a few months before it is slated to end and before they tack on the interest penalty.

So far so good, the auto online payment has worked every month (knock on wood!).

Posted by BEJ on 2010-04-06:

Even if they did not send you a statement--it is still your responsibility to make your payment on time. You indicated that your payment is due on the 22nd. You might want to log into your account online and set up auto payments or delivery of statements online. That way you never have to wait for mail delivery again.

Posted by CrystalSword on 2010-04-07:

FYI....for those not in the know....if you hold a Wal-Mart credit card, it is actually GE Money who you are paying. I make my payment right at the store, so its credited immediately. I was ONE DAY late and they added an additional $29 to the bill....NOT gonna do that again...EVER!!!