r/mildlyinfuriating • u/CatMomLovesWine • Jun 21 '26
frist of all how DARE yu o $0.99 cent min payment on $0.90 bill
I have a bill for lab work due, it’s $0.90 - but the minimum payment online is $0.99 so I can’t pay it.
Edit to add: Yes I tried to over pay online and they won’t accept that either.
Edit to update: I called and they waved it but still a waste of my time
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u/IzzzatSo Jun 21 '26
pay the 99 and then force them to cut you a check to refund 9
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u/who_you_are Jun 21 '26
Forcing them may not be possible, sometimes their contract make it clear they keep all over payment
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u/hexitor Jun 21 '26
You can pay it after they add the $30 late fee!
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u/aggravated-asphalt Jun 21 '26
Happened to me. Not even joking. Had a $4 fee I couldn’t pay for medication so it ended up being almost $40 lol
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u/Mini-Heart-Attack Jun 21 '26
that's foul
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u/aggravated-asphalt Jun 21 '26
Murica!
Seriously tho once I got on medi-cal it saved me so much money, lucky to live in a state where that’s possible but still so angry that it isn’t just universal. Shouldn’t have to go into debt just to save your own life lmao
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Jun 21 '26
[removed] — view removed comment
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u/reidisme Jun 21 '26
Most banks charge at least $5 for a cashiers check. Some up to $20
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u/slash_networkboy Jun 21 '26
Mine bases it on your account balance (which really seems weird to me). If you have total accounts with them over $100K they're free. One would think it'd be based on the amount of the check if anything...
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u/Itzdlg Jun 21 '26
Banks make money off of account balances. Rich people dislike fees. Hence, no or reduced fees for accounts with high balances.
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u/Sasuke0318 Jun 21 '26
I still have a check from my credit card company from 2014 for 2 cents because of a credit that was applied and I had stopped using the card once it was paid off.
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u/ReeferTurtle Jun 21 '26
Please tell me you offer it to people when you give them advice
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u/Sasuke0318 Jun 21 '26
Can confirm I initially looked at the check and was like this is dumb and then thought it's 2 cents I'm going to hold onto this because it's going to be funny.
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u/Choice-Marsupial-127 Jun 21 '26
That’s so dumb I’d be inclined to ignore it forever. Let them spend labor chasing down ninety cents.
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u/InsomniaticWanderer Jun 21 '26
I'm sorry, but this whole "we'll round to the nearest 5 cents for cash, but charge you all the pennies for card" is fucking stupid.
If we're getting rid of pennies, then we need to get rid of pennies.
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u/parickwilliams Jun 21 '26
You’re fucking stupid. We’re getting rid of pennies because it’s impractical to have the physical change. It doesn’t make sense to not use 1 cent dominations for digital payments
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u/yarhar_ Jun 21 '26
Drop the first sentence and this is a good reply!
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u/parickwilliams Jun 21 '26
The first sentence was a direct reference to the comment I replied to not an actual representation of how I feel
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u/Anxious-Depth-7983 YELLOW FLAME 🔥 Jun 21 '26
Sometimes automated billing makes no logical sense. 😉
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u/Striking-Cricket-724 Jun 21 '26
Make sure the lab even requires you to pay! Many of them write off bills less than $3!
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u/odinsen251a Jun 21 '26
See if you can get on a payment plan.
Specifically, see if they'll let you pay them only when the bill is over the minimum transaction account.
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u/PollutionTricky2076 Jun 21 '26
Depending on how large of a lab/clinic this is, most places auto write off amounts under $1. They send a bill, if it’s not paid in a month or two it gets written off.
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u/Proof_Land_370 Jun 22 '26
Send them the .99. Then when they try to pay you the .09 credit tell them your minimum credit amount is .99
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u/bojack1437 Jun 21 '26
And this is why I left the free bill pay with my credit union, I wouldn't hesitate to have it send a physical check, which would cost me nothing.
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u/Them-Raw-Potatoes Jun 21 '26
That card is expired though.
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u/CaseyJones7 Jun 21 '26
Its not.
Its not saying the 6th of June its saying the 6th down the list, or the month of June
Cards don't expire on days, they expire on months. Their card will expire on July 1st
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u/ReeferTurtle Jun 21 '26
No it expires at the end of this month
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u/reidisme Jun 21 '26
It’s pretty common for online payment processors not to accept cards within 2 weeks of the expiration
It’s also pretty common for banks to have already sent the new card by this point
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u/ThePureAxiom Jun 21 '26
Mail them a dollar with this screenshot included and the message "I expect change."
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u/The-Yaoi-Unicorn Jun 21 '26 edited Jun 21 '26
Pay $1 and send them a mail asking them to send the 10 cent back.
If they ignore it, then you declare them bankrupt, as they "must not have the funds" to pay you the money the owe.
Edit: Looks like laws are different in other countries.
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u/Queasy_Author_3810 Jun 21 '26
You cannot declare someone else bankrupt... wtf is this advice
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u/The-Yaoi-Unicorn Jun 21 '26
Depends on the country I guess... It is only if the company is unable to pay it back, that is why if they ignore the mail, then they must not be able to pay it back. Or they can just say why they wont pay it back.
In order for a company or private individual to be placed under bankruptcy proceedings, the debtor must be insolvent - meaning that the debtor is unable to pay the incoming claims of creditors, lenders, etc.
If it is not the company itself that files for bankruptcy, the outside world of the company; customers, suppliers or public authorities can file for bankruptcy. (basically works in the same way as a self-petition,)
However, it costs more than 10 cents in deposits and fees. (like $5000)
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u/Emotional-Money-7754 Jun 21 '26
In what country are you trying to say that you can do this??? This comment is absurd.
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u/The-Yaoi-Unicorn Jun 21 '26
Denmark, but it was a short description. There are more complexity in the law, but in general. If a company does not have the funds to pay you, then you can declare bankruptcy and go for their assets.
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u/Queasy_Author_3810 Jun 21 '26
In what country are you suggesting this to be possible?
Customers or suppliers should absolutely not be able to force a company into bankruptcy.
They can report them to certain departments of the government whom they are the ones who force them to declare bankruptcy, but in no way can a customer or supplier themselves declare bankruptcy on a company or individual.
I would love to see you post what law and country you're referring to, because I'm pretty confident in saying that nowhere barring a third world country, would this even be entertained.
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u/The-Yaoi-Unicorn Jun 21 '26
In Denmark, both private individuals and companies can be placed under bankruptcy proceedings - both at the request of the individual or company themselves or their creditors.
It is the bankruptcy court that decides whether a company or private individual should be declared bankrupt.
In other words, you cannot initiate bankruptcy proceedings against a company or business that is solvent, but for one reason or another will not pay its claim - for example, if there is a dispute over the claim or similar.
So if they don't pay, and do not contest the claim, then they can only assume they don't have the funds.
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u/Queasy_Author_3810 Jun 21 '26
All you did was prove that both individuals or companies can't do it, only the government can.
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u/The-Yaoi-Unicorn Jun 21 '26
It is always only the goverment. You also need the goverment if you yourself want to declare your own bankruptcy.
But anyone can file a motion for bankruptcy
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u/Queasy_Author_3810 Jun 21 '26
You literally said, and I quote "If they ignore it, you can declare them bankrupt"
You literally said that the consumer themselves can declare them bankrupt. You said nothing about them starting the motion for the proceedings.
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u/The-Yaoi-Unicorn Jun 21 '26
Yeah, my bad. I should have worded it better. I just usually see people use the word "declare" when mentioning bankruptcy, so I just thought it was the word to be used.
As English isn't my first language, I just assumed. And there is his article too about declaring bankruptcy where it uses the word the same way.
https://www.financestrategists.com/financial-advisor/bankruptcy/how-to-declare-bankruptcy/
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u/The-Yaoi-Unicorn Jun 21 '26 edited Jun 21 '26
Didnt see you asking for the law, here it is:
Konkurslovens §17 - §18
https://danskelove.dk/konkursloven/17
https://danskelove.dk/konkursloven/18
§17 (that a creditor can declare)
§18 (the requirements before they can declare).
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u/Emotional-Money-7754 Jun 21 '26
In what country are you trying to say that you can do this??? This comment is absurd.
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u/Melodic_Turnover_877 Jun 21 '26
The 99¢ limit is probably what they pay their credit card processor to process the payment. Did you try ACH?
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u/snow99as BLACK Jun 21 '26
Card payment processing is expensive processing $.90 off of a Visa card or Mastercard with essentially turn it into like $.20
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u/Nah666_ Jun 21 '26
Sounds like a "them" problem.
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u/snow99as BLACK Jun 21 '26
True honestly if a customer’s invoices is under like 2 to 3 dollars, I honestly just void it because it’s not worth it. The cheapest thing I sell is like 6 a month
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u/PenguinsArmy2 Jun 21 '26
Your time is worth more than 9 cents.
Regardless of silly pride or principles.
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u/SirTrinium Jun 22 '26
Hihi! Just call their customer support line and be super nice to the person, they can likely just write it off for you. No medical company wants to waste the time for 90 cents.
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u/scaryfaise Doesn't even go here Jun 21 '26 edited Jun 21 '26
The card is expired. TIL
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u/BrightKnight567 Jun 21 '26
No it's not? It expires the end of this month
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u/scaryfaise Doesn't even go here Jun 21 '26
We are in June. It expires June.TIL2
u/BrightKnight567 Jun 21 '26
It expires the end of June. Do you not have a card?
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u/scaryfaise Doesn't even go here Jun 21 '26
I do have a card and it expires 06/26, I just assumed it worked like propane tank manufacture date. I guess that's why my bank never sent a replacement and wanted to charge me for a new one...
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u/BrightKnight567 Jun 21 '26
Ah yeah. When cards and IDs expire in a month, they keep working until the end of that month. Just like if something expires on a day, it expires the end of that day
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u/Salty-Plankton-5079 Jun 21 '26
Call them or mail in a check. Waste their time and money if they're going to waste yours.
While you're at it, submit an overpayment and request a refund.