Speaking of programming, I just ran across some lazy programming in my credit card processing. I had noticed, the last time I re-financed, that I was getting dinged by the underwriter for "carrying a balance" on my credit card, even though I was paying it off fully every month. Additionally, it occurred to me that my credit score probably reflected that as well. So, I thought that a simple way to game that would be to pay off the balance before the statement date, but to make life simpler on myself, I would simply make a large payment and carry a negative balance on the statement. After doing that for a while, my credit score did actually go up, by 30 points.
However, after a while, the credit card company randomly decided to issue me a refund for my negative balance. I called and told them that I wanted no refunds unless I specifically requested one, and they all said, "No problem." 4 months later, I get another refund check, and my statement balanced popped positive. So, call again, and get to talk to a supervisor, who finally explained that the "computer" saw that I carried a negative balance for 3 months and automatically refunded the money. So, I point out that the programmers were obviously lazy, because the negative balances weren't the same money, and to prove it, we went through the last statement line by line, and we could clearly see that I made a prepayment on 5/5, and the dumbsh*t programmers were too lazy to write code to look at daily balances, so less than 10 days later, the program kicked out a refund, resulting in a positive statement closing balance 4 days later, because the programmer assumed that 3 consecutive months of negative balance meant the same money was sitting for 3 months, even though it clearly had not. Unclear whether this will ever get resolved.
TTFN (ta ta for now)
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