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Discussion in 'DIRECTV General Discussion' started by tadtam, Jun 4, 2008.
Same here. Works great!
That's just plain silly thinking. No trust is involved. If they bill you incorrectly and won't fix it, you just dispute the charge with the CC company. That forces DirecTV to prove that the charge is correct.... which is actually better than not having auto billing, because without auto billing, if you don't pay the billed amount, your account will be in default for non-payment.
I disagree - I didn't pay the amount of my bill attributable to the incorrect charge and my account did not go into default since it was their mistake - I confirmed this with a supervisor both before and after the charge was removed, and it took three weeks for them to remove it.
That's why you always want to do auto pay with a credit card. Any disputed amount will not be due until the dispute is resolved.
That doesn't change or invalidate a thing I said. Either way you have to resolve the dispute with them.
You don't need to charge it on Amex to get that protection. Every major credit card has that protection.
I don't even want to be bothered with it - why? I'm going to have to go online anyway or open an email to see what the autopaid amount was and check my bill so, in my estimation, it's easier to just take the extra two minutes and pay it. Not a biggie...
depending on the financial institution (that is a major point) visa check\debit (dual role) cards also work like a credit card. lot of credit unions use these, very handy to have
The only problem with autpay is that it isn't that easy to stop QUICKLY if need be.
This is an excellent point, which needs to be considered. However, it may be easier with a bank account, since you can simply tell them not to pay it (or you could just cancel the bank the account!). Regardless, it probably results in a lot of hassles.
I use electronic bill pay for most things so rarely write checks, but not auto-pay. I still want to pull the trigger on most of my bills. The only exceptions are D* and Verizon - but I have them auto-paid with a credit card, not my debit card. As someone else mentioned, I'm not taking those risks with my checking account.
Auto bill to the credit card does not concern me in the least... It is a very low risk issue... I have been on auto bill with DTV for years, and have never had any problems at all...
When was the last time your bill was wrong? For me...only once...
When was the last time your bill was wrong and they didn't fix it, including all the billing implications of proper crediting, etc? For me...it's never happened...
And if it does happen, I file a dispute with the credit card company, and I don't pay it...
Thanks OP! I was in exactly the same situation as you... I have paperless, auto-pay, and I though email newsletters as well... But as it turns out, the little checkbox by the email option was not checked...
I checked it...and got a $5 credit... Sweet!
tadtam -- another big THANK YOU from me! Just like you, the site said I wasn't signed up for email updates. So for 20 seconds of "work", I got $5.
Now if I could just turn this into a job....
Some will not automatically remove the charge until they investigate the issue. In the mean time, you don’t have to pay it, but interest charges may accrue. This is not the case with Amex – they take it off your bill and only put it back in place if they determine the charge was correct, and they are *very* pro-cardmember in these issues.
I just don’t want to worry about “forgetting” to do this. Having it charged to my Amex makes one less thing I have to remember. I just check my Amex statement monthly and deal with it I it’s not right.
Be careful with cards tied to your checking account. An error could drain our account and cause other checks and drafts to bounce before you know it. Not only that, some transactions put “holds” on your account for more than the amount of the charge. For example, gas stations routinely put a $50 or $100 hold on your card the minute you swipe. They will charge the actual amount purchased to your account *plus* the hold may remain for a day or two. The same goes for restaurants (for tips and open bar tabs) and a biggie is rental cars – they often put a $500 hold on cards.
You need to look into “Check21”. While you can request that your bank not process transactions on your account from specific payees, they do not have to honor it and in some cases cannot honor that. Your only recourse is to deal with these transactions as a dispute. Many banks will credit the drafted amount while it is being disputed, but if it causes any overdrafts of other items, they may not help with those (and almost never help with SF fees those other payees charge you).
E had a deal when I was with them. If you signed up for autopay and paperless billing you got Cinemax for one year for a penny. Now that is something D needs to do, not just $5! I won't sign up again though even if D offered something better because I don't trust D or E with my credit card. I don't use autopay for anything even if it costs me more like it does for my car and house insurance. Thats just how I am!