Hello everyone and welcome to another coffee date with Luna!
We haven’t done these in a while because I can’t keep up with my own schedule but now that I am home for two weeks and the only thing I do is read news on Corona, I decided to stick to the schedule. Since I don’t really have an idea about what to write, I decided to do a story time!
This post in inspired and sponsored by my own damn stupidity when it comes to finances and credit cards.
I have been trying to buy a new laptop for a month and forever and finally I set my sight on one and on Thursday I took my wallet, my laptop that barely functions anymore and decided to buy myself a new laptop. This was the first time that I was purchasing something I wasn’t paying for immediately in cash. I don’t know how you call this type of payment in English but I will be paying for the laptop through 12 months and the final price of the laptop went up for 5% because I wasn’t paying for it completely when purchasing. Please tell me in the comments how you call this type of payment in English because I do not feel like searching for it #lazy
So, I registered and all and then I came to the payment section. All of the sudden I was just looking at it like an idiot because I didn’t know what to do. There was Visa, Visa premium this and that. I did what any grownup, independent woman would do. I waited for my mommy to get back home to help me.
We had a lot to do that day so we postponed the failed laptop purchase for Friday. I realized I have the Visa Premium card which allows me to divide the price of the laptop on a 12 months’ payment. By I realized, I mean my mommy told me. Then I placed the credit card details and all of that, hit the purchase button, I was all excited because I finally found the laptop I want and then BOOM! Error, your purchase didn’t go through. Two months ago when I got the premium card via mail, I absolutely ignored the fact that I actually need to activate that fucking card. I called the customer care of my bank and the lady activated the card and walked me through the steps of downloading the app I need to pay online. I did all of that and then entered my card details again and tried purchasing the laptop. Error, your purchase didn’t go through. Since I knew that I had enough balance on my card to pay for the laptop I contacted the customer care of the web shop to see if there was some issue with the site or if maybe the laptop was out of stock.
They used the line I use at my job a lot: Call your bank, there’s an issue with your payment method. I was angry. I spent two hours trying to order the laptop. Then I went to that app I had to download and realized that there was no balance on that card. My other two card are linked and all of the money goes to one account. Then my dumb brain decided I can do this on my own.
I opened another app I have from my bank and transferred the amount I need to pay for the first monthly fee for the laptop to my Premium Visa. After two hours this was the first time I actually got something through. I had the confirmation that the money was transferred and all. I went to the other app to check the balance of the card and it was 0 AGAIN! I opened a chat box, called my bank’s customer service and no one was answering for 45 fucking minutes. In those 45 fucking minutes I tried to transfer the money two more times. So keep in mind that I tried to transfer 600 kunas (Croatia currency) from my bank account to my Visa Premium three times.
I finally got someone on the chat and the lady told me that the money will be visible on my Premium on Monday because all money transfers done after 3PM on Friday are visible on Monday even if I transfer money to my own card.
I was not happy so I took my not happy ass to the bank. I waited for half an hour there and when I finally got to talk to a really nice lady I explained what I did. Essentially I transferred the money three times and it will be visible on Monday, she cannot cancel the transfers, I won’t be able to transfer the money by myself back to my account and I will have to call that customer care that doesn’t answer to transfer the extra money back to my other account. So to sum up, I spent three hours of my life to be told I fucked up and that I will have to spend another two hours (probably) on Monday to fix this issue and I swear to God that if that laptop will be sold out on Monday I will be very angry at someone. Not myself for not knowing anything about credit cards, money transfers and payment methods but at someone.
So, there’s my story time. This is what I did for most of my day yesterday. It was not fun. At all.
How is your week going guys, how will you be spending your weekend? Are you staying safe, healthy and washing your hands often?
Also, what would you like to read more of in our Coffee dates? I actually through of making this story time a video but I am kind of shy to do it because I hear my voice on a video once and guys, it does not sound nice.
Sending love and positive vibes,
Luna
5% down payment, then instalments over 12 months to pay the goods off.
I think what you’re talking about is called “financing” in English…that is when you buy something on a card or maybe even a loan and you have a certain amount of time to pay it back.
Hope you get everything situated! 🙂 in the meantime…you get to wait! Ugghh! Try not to worry about it too much, you’ll be able to get everything situated, and maybe, come Monday there might be a better option for said laptop.
Take care!
I can only imagine how frustrating it was but at least you found out what happened and handled your business. Instead of giving up you dealt with some exceedingly frustrating problems and that’s good in many ways. Much peace to you.
How frustrating!
I didn’t get any coffee 🙁
I can relate well to your story. I think it’s a big shit when things don’t turn out as you want. The 12 months of payment are settling the payment in installment, and 5% is the interest fee if I’m not wrong. The use of these cards can be very disappointing and so inconvenient, and what is even so depressing is the duration of time you took to do everything with little success. Altogether I’m sorry, but in the end, everything is going to be okay, and you will bring the laptop you need. I can guarantee you that. For me, the situation has been a little horrible. I’m working in the hospitality industry, and I’m telling you as of last week, I haven’t been at work because of the virus. The administration said that they aren’t hoping to open anytime soon, and I think I will have a lot of time to stay at home this coming week. I don’t know know what I will be doing, but I think writing more blogs and more YouTube videos feel like an excellent idea for me even though I’m not a pro but just getting started.
Great story about dealing with the frustration banks serve us every day!