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Speaker 1: Another Jubila on the twenties. I was looking for Michael's.

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Speaker 1: This is Michael. My name is Casey right back, and

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Speaker 1: I'm with Visa. How are you. I'm responding to a

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Speaker 1: complaint that you sent us online. Yes, yes, thank you. Yeah.

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Speaker 1: Can you tell me more about your situation please? Well,

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Speaker 1: I okay, I went in to check my credit. I'm

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Speaker 1: applying for a mortgage and I got denied. And um

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Speaker 1: I looked back through it and it said I made

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Speaker 1: a late payment. A late payment. All right, let me

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Speaker 1: do me a favor. I don't know. I don't know

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Speaker 1: where that comes from. I am. Let me. Let me

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Speaker 1: pull up your file here and see if I can

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Speaker 1: figure out the problem. Okay, thank you. Okay, I've got it. Okay,

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Speaker 1: I think I see the problem. Yeah, last February, I

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Speaker 1: don't know if you remember, you were almost late with

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Speaker 1: a payment. I'm sorry, I was almost late for a payment. Yeah.

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Speaker 1: It looks like you came within about two days of

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Speaker 1: being late, so we had to ding your credit. No, wait,

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Speaker 1: I'm sorry I was. I was almost late. I made

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Speaker 1: that payment two days ahead of the due day, correct,

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Speaker 1: and that makes me almost late and that dings my credit. Yep,

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Speaker 1: here at Visa. Being almost ladies just as bad as

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Speaker 1: being late. All most late that means not late. I

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Speaker 1: was on time. It's sort of like this, say we

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Speaker 1: expect you to be at a party at oh six thirty, right,

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Speaker 1: you showed up at six twenty eight. People were worried

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Speaker 1: about you. They're wondering where you were. You know, is

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Speaker 1: he gonna make it on time? And then oh you

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Speaker 1: decide to show up with two minutes to spare. I

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Speaker 1: don't I don't see what the problem is with that,

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Speaker 1: and I certainly don't understand how that matters. Consider we're

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Speaker 1: talking about my credit and me getting a home loan

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Speaker 1: right now. But with your history, sir, I don't think

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Speaker 1: that anybody would give you a victory. There's no problem.

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Speaker 1: Well you've got it. All my payments on time, well,

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Speaker 1: but you've made a few of them all is late.

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Speaker 1: That's what I'm trying to tell you. We gave you

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Speaker 1: a break on the month before. What are you talking about?

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Speaker 1: What I'm talking about the month before when you were

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Speaker 1: a little too early with your payment. I don't even

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Speaker 1: know what to respond to that with. But I was early.

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Speaker 1: Isn't that a good thing? Well, you'd think so, but

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Speaker 1: unfortunately being too early causes a lot of work on

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Speaker 1: our end. So if you're too early, you get hit

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Speaker 1: with an early bird fee. No no, no, no, no, no,

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Speaker 1: this is absolute bull. I don't understand this at all.

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Speaker 1: You know the thing I told you about the party before,

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Speaker 1: I'll explain the early bird tie in the same way.

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Speaker 1: Let's say I plan a party for I don't know

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Speaker 1: six forty five and you show up at I don't

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Speaker 1: know five forty five. Kind of awkward for me because

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Speaker 1: nothing's prepared. I'm sick of your dumb as analogies, and

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Speaker 1: I want my card canceled now. Wow, okay, I'd love

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Speaker 1: to cancel your card, but unfortunately there is a prank

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Speaker 1: phone call, so I can't. Sorry, sir, I'm sorry. What

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Speaker 1: this is actually jewel from Brook and Jewel in the morning,

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Speaker 1: I'm moving ninety two point five doing a phone tap

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Speaker 1: on you. Your partner Jim set you up. Um. He

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Speaker 1: said you've been having a lot of trouble with your

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Speaker 1: credit lately and needed a good laugh. Uh my, my, my,

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Speaker 1: apologichiefs for calling you a working idiot. Oh that's all right.

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Speaker 1: It's not the first time week up every morning with

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Speaker 1: Jubil phone taps weekday mornings on the twenty five