Bumblefucked by Orchard Bank

In the quest to un-bumblefuck ourselves we have been trying to pay off credit cards. On March 31st I made a $400 payment to an Orchard Bank credit card. The limit of said evil card is $1950. The evil interest rate is somewhere around 21%. The balance at the time was $999 and some change.

Today, I sign on to check the account and notice that the available balance is not correct. For a moment, I panic thinking that someone has bumblefucked us further with identity theft.

So, I go to “pending charges” and see a $399 pending charge from HCS. I’m like ‘wtf?’ I click on that. HCS = Household Card Services, aka evil Orchard Bank. It is a freaking payment hold! And why?!?

My theory - they are trying to keep the average daily balance up so that they finance charge will be higher.

Wankers.

And that is reason #3,412 that credit cards are evil.