Q: I was at Chase recently and paid my credit card bill with cash. Then I attempted to pay my wife's credit card bill and I was refused. I believe that no one can refuse payment of a bill when it is made in legal tender. A., Middleburg Heights A: Big picture: the issue wasn't that you tried to pay your wife's credit card bill. Chase a year ago changed its policy about accepting cash deposits into a checking or savings account from someone who isn't an owner or authorized user on an account.They said the policy at Chase now is that only the people whose names are listed on a consumer account are authorized to make payments. How can a bank refuse payment about to be made in U. Other than that, if I attempt to pay a relative's bill, for whatever reason, if not pre-authorized it will be refused? So this applies if you want to make a cash deposit into a checking account owned by a relative or friend who might need money ASAP.

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I made a purchase with a Bank of America credit card that I rarely use, then I forgot about it. About seven months after this purchase, I received a letter from Bof A demanding payment for the purchase.

I had received no communication from Bof A prior to receipt of this letter, plus they had cancelled the account several months earlier.

I am in the process of applying for a new home loan so this downgraded credit score is hurting me. Is it best to pay it and move on, or is there any way I can clean up my credit score without remitting payment?

Is there an oversight agency I should report Bof A actions to? C., Stow A: I find it odd that you wouldn't have gotten a letter or phone call about a payment that was a month or two or three late. Of course, not getting a bill doesn't eliminate our responsibility to pay a bill when we have every reason to expect it.

Even with the letter after seven months, I would have urged you to try to negotiate a lesser amount -- assuming you'd been a good customer over a number of years.

If that didn't work, at least you should have been able to negotiate keeping this off your credit report if you paid the full amount due, including late fees and interest.

You're a longtime customer with a good payment history. Can Bof A get this late payment off your credit report? At least, get the name of the person you speak with.

It's probably going to have to go to a supervisor-level anyway.

I doubt PNC's 83-cent-per-month fee is going to break you or be a big windfall for the nation's sixth-largest bank.

It's meant to tick you off enough to persuade you to just accept the debit card and be done with it.

If this fee upsets you enough, you should shop for a new bank that doesn't have this fee.