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Might not be the cheapest, but I use the Heart of Texas series from Checks in the Mail, cuz I'm a Texas kind of guy.... http://secure.checksinthemail.com/product.aspx?productid=760
Nobody actually charges a $20 or $30 "convenience fees" but the totals from each place add up to that amount.
Yeah I pay all of my bills online and I don't think I'm getting charged any convenience fees. That's weird.
It is all free through either of my banks. I only pay convenience fees if I go directly to the site and pay. The bank makes an electronic payment for free, or send out a paper check at no charge to me.
this is completely bs ive used 3 different banks and have set up billpays through each (none of them charge a single penny) and the bank guarantees the dates it can get there as long as you set them up in advance. Typically one to two days.
What kind of guarantee do they offer? Credit back on the late charge if they screw up? What if you don't catch in within 30 days and you get a mark against your credit? They can't guarantee that. It doesn't happen often, but crap happens. Personally, I would rather pay my debtor directly and have it applied immediately through their website.
Yep, the guarantee generally covers late fees, but if it goes on your credit report, you have to deal with getting it removed. You probably also have to deal with the fact that some credit card companies raise your interest rate if a payment is even one day late. As an example, here is the MSN billpay guarantee: "Due to circumstances beyond the control of the Service, particularly delays in handling and posting payments by Billers or financial institutions, some transactions may take longer to be credited to your account. The Service will bear responsibility for any late payment related charges up to $50.00 should a payment post after its Due Date as long as the payment was scheduled in accordance with the guidelines described under "Payment Scheduling" in this Agreement. "
Obviously. What I'm saying is that I pay several bills online and none of them charge a single cent in convenience fees, so I'm surprised by your claim. I was interested in hearing what services you might pay for online that would cause you to incur that cumulative amount in fees.
If I go to CoServ's site to pay my electric/gas bill through them, I pay an additional $3-$4. The nuttiest is the % fee I have to pay if I go to pay property taxes for schools and counties. In the case of the school, the fee ends up being something like an additional $100 or so. Why the heck is it a % fee? Is it more of a convenience for the person with a $(x+1) bill versus the person with the $x bill? lol.
Nobody use the link above, it links to Vista Print which is a scam and will charge your credit card over and over again at random times..
I understand that, but my point is why is it harder for them to process a $100 than a $101 that they have to charge a % fee? For example, with a 3% "convenience" charge, one guy owns $1000... he'll pay a $30 fee. Another guy owes $2000... he'll pay a $60 fee. Huh? I don't know - maybe there's a realistic explanation. It's always just sounded corny.
I researched these people and the only thing I ever saw bad about them was they would charge $14.95 after 30 days. But in almost every case it was because somebody didn't uncheck some rewards program they have during checkout. If you don't uncheck that, you'll be charged, but if you call them up and complain, they'll stop the charges and refund you. Do you know of anything else?
