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  • Let me clear up the payment penalty which hits you up for 105% over your monthly dues. It's in your contract, deep in your contract, so I have no reason to disbelieve, other than to say most people do not look into their contract searching for such a large punishment. People probably assume, that on a decline of credit card, or late on a payment of $23 by five days, that what could the punishment be $5, $10, 5%, 50%? Well, it's even higher. (Prospective: it's the equivalent of missing a $300 car payment and having to pay $315 as a late fee on top.) The question among friends came up and so here is how it works: if you allow the club to deduct from your card, a card you use often, even in my case, when the card is essentially used for these kinds of withdrawals, it's a mistake. Don't do it. 10 seconds late will cost you over a 100% penalty. And the club won't try again until the penalty increases. Use another card, or do what I do, pay at the club when you go to work out, or pay by mail. After all, you're not going anywhere, the contract is two years long. The math: Say you're card is declined, that's a $25 dollar fee penalty on top of a $23 dues payment. The club then waits to try your card again, but they wait five days, that's another $5 (5 days late) penalty. So far you're paying $30 penalty on top of a $23 dues payment. You now owe $53, even though, you may have only been late by a day or even 10 seconds. After being 'acquainted' with the insidiousness, and you then wish to change the method you pay, that's another $15 service charge; and you'll do it thinking that sometime in the next two years you may be 10 seconds late. Whoever thought these penalty fees up certainly must have been rubbing their hands together. Over 100% is a greedy penalty. Still, if that's what the contract says, somewhere deep in the print, that's what it says. It leaves a bad taste in your mouth in terms of recommending the gym, but as you can see I'm not hammering the club on any other issue. The club should change the penalty to more humane and less insidious terms.
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