you: I do not understand the difference between my Current Balance and my Outstanding Balance you: Also, I noticed that you are named after the famous Warrior Princess—that's cool!
Zena: (smile) Zena: Please don't worry, let me explain the difference....
Zena: Current Balance is your balance from the last billing statement adjusted for unbilled payments, credits, amounts under review, or returned payments.
Zena: In order to continue, I need you to answer an identification question. Your chat window will expand to the right with the question, please answer it in the space provided.
Zena: The agent has sent you a secure form Zena: My Pleasure! (smile)
you: You must be a human being because you are able to smile and I don't think computers can
Zena: Please allow me a moment to check. Zena: I am a human being. (Smile)
you: Cool. Me too. I think
Zena: Peter, I see you don't have any late fee. There is only interest charge of $XXXX as only minimum payment due was paid in last cycle.
you: What does that mean, zena? you: "interest charge?" Also, what does "last cycle" mean—are there different charges for different cycles?
Zena: I meant billing cycle (statement) Zena: I see your statement dated 10/23/2013 had the balance of $XXXX Zena: with minimum payment due of $XXXX Zena: To avoid interest charges current balance must be paid Zena: while only minimum payment due was paid.. Zena: that is why interest was charged
you: OK that is totally news to me because I talked to a representative last cycle and then said that I would b charged no interest if I payed the minimum... you: I'm very surprised to hear that they might have been mistaken and/or downright lying you: Is there any way for your to waive the fee this time?!
Zena: I will be glad to check that for you..
you: thnx
Zena: One moment please.. Zena: Thank you for waiting. I'll be with you in just a moment.
you: Thanks I'm glad I have a fantastic payment history. I didn't know that I had to keep the Current Balance paid because, as I mentioned, your representatives led me to believe otherwise. I will try to keep my fantastic payment record in the future. Thanks very much you: X END CHAT you: END CHAT X