Talking with the Netflix customer service people has finally convinced us, the only way to get a new pay date with them is to completely and totally kill our account, then restart it a week later, so we don't constantly have that charge before the check arrives
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In that time we've had less than 5 broken or scratched/unplayable disks. We've had 3, if that many, lost in the mail (coming or going).
Our movies are only sent out of order if the first one is unavailable (unlike Gamefly who seems to throw a dart at the queue to determine which game we get next).
This is how it works for us - send a movie back on Monday, they get it on Tuesday, and we have a new movie on Wednesday.
I am also deeply, deeply in love with the streaming option.
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In fact, the only drawback, really, that remains is having to kill the account--which we've done--in order to restart it--which we'll do on the first. Because that's the only way customers can get a new billing date.
Ah, well.
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