Problems With AT&T Universal Card Payments Being Received

Customers can incur late fees if payments are not received.

Many individuals find credit cards to be the easiest form of payment. With fees being charged for using debit cards and withdrawing cash from ATMs, credit cards can also be cost-effective, especially if balances are paid off each month. Problems can occur, though, when companies fail to receive payments. This can happen when making payments through the company website.

Basics

The AT&T Universal card is available in both a personal card and a business card. Holders of an AT&T Universal platinum card can earn cash back on purchases, from 0.5 percent to 1.5 percent. In addition, the card charges no interest for the first 15 months; the rate then increases to 12.99 percent. No annual fee is charged, and the account can be managed from a mobile phone.

Website

The lender makes available several options for making payments. One option is to pay online at the AT&T website. To do this, customers need to sign into the AT&T website; the site will prompt them to enter the payment information. Some customers have reported that when they try to make an AT&T universal card payment on the website, an error message states that the transaction could not be processed. Other customers report receiving a message stating, "The page you requested is currently unavailable, please try again later." If you get either of these messages, you need to make your payment in another way by the due date to avoid penalties.

Penalties

Once AT&T Universal deems a payment late, it charges a late fee and increases the card's interest rate. These penalties are specified in the "Default" section of the AT&T Universal card contract. The only potential remedy is to contact AT&T universal card customer service to discuss the issue.

Customer Service

If you get a notice from AT&T stating that a payment has not been received, call the company's customer service department at 877-660-1151 to dispute the statement. You can ask AT&T to cancel the late fee. It helps to have proof that the payment was made. This can include a copy of the website confirmation showing payment was made, with the date and time of the transaction. If the payment was mailed, send a copy of the cleared check to customer service so the company can adjust the account.

References

• AT&T: Credit Card Payment Issues on Website
• AT&T Universal Card
• The Skilled Investor: Default Under the Citibank Credit Card Contract
• Complaints: AT&T Universal Credit Card

Resources

• AT&T Universal Card: Customer Service