I did something stupid...

[BEG]

I went to pay my property taxes and I was looking at my bank account online.  I paid off my Chase card for the month but paid Citibank (approx. $1800) instead of Chase and paid $600 to Chase as well.  I had a credit at Citibank for the $1800 and still owe a balance on my Chase card.  How in the hell did I do that?  I haven't owed a cent to Citibank in well over a year, why would I pay them?  I think it is because they are close to each other on my online bill paying thingy (at least that is what I'm telling myself).  I still don't know how I paid $600 to my Chase though and didn't notice that I didn't pay it off.  Usually I can remember after I have done something stupid like this after I am reminded of my stupidity the following month but I seriously don't remember doing either of them. 

I called Citibank to get a refund and they told me it would take up to 14 days to receive a check.  Then I thought, "hey, why don't I just have them transfer the balance of my Chase card over to the Citibank to cancel out the credit" but apparently once she hit the "refund" button she couldn't take it back. 

I swear I think I may have mad cow disease, my memory and the stupid things I have been doing lately are really starting to worry me. 

[Miss Mia]

I've never done exactly that same thing BEG, I have done my share of stupid things. 

All us stupid people should unite!   

[rich_t]

I pay my Capitol One card on line and it won't allow me to over pay the balance.  I'm suprized that Citibank allowed an online over payment.

I certainly have done my share of stupid things though.

[Zeus]

I went to pay my property taxes and I was looking at my bank account online.  I paid off my Chase card for the month but paid Citibank (approx. $1800) instead of Chase and paid $600 to Chase as well.  I had a credit at Citibank for the $1800 and still owe a balance on my Chase card.  How in the hell did I do that?  I haven't owed a cent to Citibank in well over a year, why would I pay them?  I think it is because they are close to each other on my online bill paying thingy (at least that is what I'm telling myself).  I still don't know how I paid $600 to my Chase though and didn't notice that I didn't pay it off.  Usually I can remember after I have done something stupid like this after I am reminded of my stupidity the following month but I seriously don't remember doing either of them. 

I called Citibank to get a refund and they told me it would take up to 14 days to receive a check.  Then I thought, "hey, why don't I just have them transfer the balance of my Chase card over to the Citibank to cancel out the credit" but apparently once she hit the "refund" button she couldn't take it back. 

I swear I think I may have mad cow disease, my memory and the stupid things I have been doing lately are really starting to worry me. 

Although citibank said they already started the refund process they could have stopped it. You could have also still utilized citibank to pay chase then paid chase when you recieved the refund check. sure sounds like a hassle but hey if it saved you $35- $50 in lates fees and/or interest worth it. actually doing it from your computer really simplifys the whole procedure.

You were trying to think outside the box you just let someone slam the lid on ya is all.

[Lord Undies]

Well, I've paid Citibank 10-12 days before the due date, forgot, panicked, and paid them again on the due date.  I've done this twice in the last year.  I give Citibank a gold star for putting up with the billing-challenged such as we.

[BEG]

Although citibank said they already started the refund process they could have stopped it. You could have also still utilized citibank to pay chase then paid chase when you recieved the refund check. sure sounds like a hassle but hey if it saved you $35- $50 in lates fees and/or interest worth it. actually doing it from your computer really simplifys the whole procedure.

You were trying to think outside the box you just let someone slam the lid on ya is all.

I didn't have any late fees, I paid Chase $600 as well as paying the full balance of my Chase card to Citibank by accident.  I didn't need the refund to pay the Chase card so I really didn't need to utilized Citibank to pay the Chase card before I got the refund.  I was just trying to be creative.  How and why I paid $600 to Chase and paid the full amount of the Chase card to Citibank is beyond me as I always pay off the credit card bill in full if/when I get one.  I can see how I could have accidently paid Citibank instead of Chase online but why I paid $600 to Chase is beyond me. 

After I posted the OP I thought more about the transferring of the Chase bill over to the Citibank card and I think I'm glad I did it the way I did.  Yeah I "lent" them money for over a month interest free but this way it wont cost me any more other than the interest on the balance.  I always get the "no cost" transfers from Citibank and Chase but I don't know if they are still offering them.  This way all it cost me was a months interest on the Chase card for the balance, if I had to pay for the transfer it would have really pissed me off.

[BEG]

Well, I've paid Citibank 10-12 days before the due date, forgot, panicked, and paid them again on the due date.  I've done this twice in the last year.  I give Citibank a gold star for putting up with the billing-challenged such as we.

Now I have paid a bill twice, I have paid our car payment, credit card bills even our mortgage TWICE in a month.  It really helped when they let you make automatic payments through the bill pay thingy online.  It also would help if I kept a running balance in the checkbook.   

The only thing I have to manually pay online is our credit card bill (and our property taxes) and the only reason I still do that manually is because I haven't set it up to receive a bill every month so it knows how much to pay (also it forces me to look at the bill every time we get one). 

[Lord Undies]

Now I have paid a bill twice, I have paid our car payment, credit card bills even our mortgage TWICE in a month.  It really helped when they let you make automatic payments through the bill pay thingy online.  It also would help if I kept a running balance in the checkbook.   

The only thing I have to manually pay online is our credit card bill (and our property taxes) and the only reason I still do that manually is because I haven't set it up to receive a bill every month so it knows how much to pay (also it forces me to look at the bill every time we get one). 

I pay just about everything through our bank's website now.  So easy, and the money is deducted/sent almost immediately. 

The last time I checked Citibank didn't have its own website to receive payments made by American customers.  I'm glad to know that has changed.  It was so odd.

[BEG]

I pay just about everything through our bank's website now.  So easy, and the money is deducted/sent almost immediately. 

The last time I checked Citibank didn't have its own website to receive payments made by American customers.  I'm glad to know that has changed.  It was so odd.

LOL

[SaintLouieWoman]

Another creative way to get around this is to use the card that you overpaid this month and charge about the amount they owe you. That would work unless they truly are quickly sending you the refund.

SR did that with one account when we were still combining accounts. I think they took their good old time about refunding it. Since it was only about $100, it didn't matter that much.

Don't worry, everyone does it.

[Eupher]

Well, I've paid Citibank 10-12 days before the due date, forgot, panicked, and paid them again on the due date.  I've done this twice in the last year.  I give Citibank a gold star for putting up with the billing-challenged such as we.

I'm also guilty of doing that same kinda thing. 

[BEG]

Another creative way to get around this is to use the card that you overpaid this month and charge about the amount they owe you. That would work unless they truly are quickly sending you the refund.

SR did that with one account when we were still combining accounts. I think they took their good old time about refunding it. Since it was only about $100, it didn't matter that much.

Don't worry, everyone does it.

Ha, I didn't even think about doing that.  That is a good idea for future reference.  I guess I didn't even think about it because I never use that card.

[Lord Undies]

I'm also guilty of doing that same kinda thing. 

This will sound retarded, but here it is:

My AT&T U-Verse televison/internet account is paperless.  Their website is retarded.  I have no clue.  I send them $100.00 a month through my bank's website knowing I am overpaying by a few dollars. 

I got a disconnect notice in December.  They claimed I owed $68.00 or such PAST DUE.  I was livid.  I called them and gave them all kinds of billy-cane.  Then I decided to second-check myself. 

I didn't send in a payment in August.   

[jinxmchue]

Stuff like that makes me very, VERY thankful that I married a woman with excellent money-sense.  My money-sense is crap.  It all gives me a headache.

[Eupher]

Stuff like that makes me very, VERY thankful that I married a woman with excellent money-sense.  My money-sense is crap.  It all gives me a headache.

After a couple of missed payments by Mrs. E., I took over that task. We haven't had any since. My only sin was paying twice. That was dumb because we definitely needed the money at the time - ate peanut butter for a couple of weeks until the check came back. 

[Wineslob]

I went to pay my property taxes and I was looking at my bank account online.  I paid off my Chase card for the month but paid Citibank (approx. $1800) instead of Chase and paid $600 to Chase as well.  I had a credit at Citibank for the $1800 and still owe a balance on my Chase card.  How in the hell did I do that?  I haven't owed a cent to Citibank in well over a year, why would I pay them?  I think it is because they are close to each other on my online bill paying thingy (at least that is what I'm telling myself).  I still don't know how I paid $600 to my Chase though and didn't notice that I didn't pay it off.  Usually I can remember after I have done something stupid like this after I am reminded of my stupidity the following month but I seriously don't remember doing either of them. 

I called Citibank to get a refund and they told me it would take up to 14 days to receive a check.  Then I thought, "hey, why don't I just have them transfer the balance of my Chase card over to the Citibank to cancel out the credit" but apparently once she hit the "refund" button she couldn't take it back. 

I swear I think I may have mad cow disease, my memory and the stupid things I have been doing lately are really starting to worry me. 

You can pay my Citibank card anytime you want. :innocent:

[BEG]

You can pay my Citibank card anytime you want. :innocent:

What would I get in return?   

[Miss Mia]

BEG, as I put on the freshly clean sheets on my bed, I reminded myself of one of the stupidest things I've ever done. 

As you know I own two cats.  I have all white bedding for my bed.  I have to cover my white duvet with a quilt so they can't lay on it and get hair all over it.  It's a PITA and I have to used one of those tape rollers to clean it off like once a week.  It's so pretty when it's all made up and clean, but I'm a complete moron for buying it in the first place.

[BEG]

BEG, as I put on the freshly clean sheets on my bed, I reminded myself of one of the stupidest things I've ever done. 

As you know I own two cats.  I have all white bedding for my bed.  I have to cover my white duvet with a quilt so they can't lay on it and get hair all over it.  It's a PITA and I have to used one of those tape rollers to clean it off like once a week.  It's so pretty when it's all made up and clean, but I'm a complete moron for buying it in the first place.

That reminds me about the time when K and I first got married.  He was still in college (at ASU) and we were moving into our first apartment.  We needed to get a couch and we bought a brand new slightly off white couch.  It was one of those places where you picked the style of the couch then the fabric and they made it for you.  Someone had it made then decided they didn't want it, probably because they figured out it would be IMPOSSIBLE to keep clean....unlike us, the idiots.  We got it fairly cheap compared to how much it originally cost but we still got ripped off because even if you sat down on it with jeans on the jean dye would rub off on it.  I was 20 and K was 21.  I had never cleaned my room before in my life, my Mom had always done it.  I had never ironed a shirt or fixed myself dinner either. 

Needless to say within a couple of months the couch looked like shit.  I remember with in the first month I dropped a blob of guacamole on it.  From a couple months on out we kept it covered with a sheet.  It was probably the stupidest thing we have ever bought.  Well, besides the Suzuki Samurai Jeep the first year it came out.  I remember when I got pregnant, my Mom came down for a visit and took us out the same day and made us trade it in on Honda Civic SI.  We were really upside down on the car so my mom paid the difference.  She said no grandchild of hers would get their brains scrambled in that stupid Suzuki Samurai. 

Oh wait I have another stupid thing.  Soon after we got our first apartment we bought a full bread Cocker Spaniel puppy.  It cost us $100, that was all we had in our checking account.  My Mom asked us how much she was and I lied and told her that someone gave her to us.  I kept that lie up for a couple of months and then confessed (I could never lie to my mom).  We ate spaghetti and butter for quite a while after we bought that dog.

[Miss Mia]

That reminds me about the time when K and I first got married.  He was still in college (at ASU) and we were moving into our first apartment.  We needed to get a couch and we bought a brand new slightly off white couch.  It was one of those places where you picked the style of the couch then the fabric and they made it for you.  Someone had it made then decided they didn't want it, probably because they figured out it would be IMPOSSIBLE to keep clean....unlike us, the idiots.  We got it fairly cheap compared to how much it originally cost but we still got ripped off because even if you sat down on it with jeans on the jean dye would rub off on it.  I was 20 and K was 21.  I had never cleaned my room before in my life, my Mom had always done it.  I had never ironed a shirt or fixed myself dinner either. 

Needless to say within a couple of months the couch looked like shit.  I remember with in the first month I dropped a blob of guacamole on it.  From a couple months on out we kept it covered with a sheet.  It was probably the stupidest thing we have ever bought.  Well, besides the Suzuki Samurai Jeep the first year it came out.  I remember when I got pregnant, my Mom came down for a visit and took us out the same day and made us trade it in on Honda Civic SI.  We were really upside down on the car so my mom paid the difference.  She said no grandchild of hers would get their brains scrambled in that stupid Suzuki Samurai. 

Oh wait I have another stupid thing.  Soon after we got our first apartment we bought a full bread Cocker Spaniel puppy.  It cost us $100, that was all we had in our checking account.  My Mom asked us how much she was and I lied and told her that someone gave her to us.  I kept that lie up for a couple of months and then confessed (I could never lie to my mom).  We ate spaghetti and butter for quite a while after we bought that dog.

My sofa was from my dad.  It's creamy white.  I hate it.  It was beautiful until someone actually lived with it.  I want this chocolate brown sofa from Rooms To Go. 

[Wineslob]

What would I get in return?   

My undying gratitude, and possibly my first born, who is a lovely tween.