make sure you ask them about the payment cycle

recently app**** for a pre-approval and got to view my ITC record for the 1st time.<br> I was very disappointed to find that Nedbank has got me in arrears 3 times. I called to inquire because about 95% of the time i pay almost double if not more the the minimum amount due. I was told I paid late.<br> I asked if its not the fact that I transfer from a different bank and was basically told its not their problem. <br> For the 1st time it was explained to me what the billing cycles are and that there are different cycles to choose from.<br> If you can see those payments it still suites you to allocate it to the next period and mess with someones future for the next 2 yrs. i am so disappointed because why did you not call to explain the cycles if you can see that I pay over R2000 - R5000 for your minimum amount of about R900 - R1200. its just so much easier to just give people a bad record. I have not been in arrears in any of my accounts. I now only know about this payment cycle.<br> had my house and my vehicle with you guys. i feel very disappointed that you dismiss correctly allocating those payments when it is in black and white