Elizabeth of Ashland OR (08/18/08) Wow! This card has been a nightmare. I have credit available, but they decline charges. Each month I get at least one charge - along with the 10.95 monthly fee. More often than not, I get two charges, amounting to almost 70, in addition to the 10.95 monthly fee. I have paid and paid and paid, to keep my credit strait - but I am really really tired of their tricky ways. I have 5 other credit cards now, and none of them have been evil like this.
The stress, the money I have shelled out is outrageous.
Kent of Fredericksburg, VA August 18, 2008
Kent of Fredericksburg VA (08/18/08) I never received statements after I called and told them I was moving in October 2007,now mind you my balance was only 230.56 and after 3 weeks I called to see why I didn't received my bill statement yet all I was told was that it was turn over to a collection agency I was really shock to find that out,so when I contacted the agency they told me my bill was 1098 which had to be fees and interest which I fill I do not owe,
The person told me that a special program was available today for 366.00 to clear account now I only owed 230.56. I reply by saying that's that's not fare. he told me well pay your bills next time so I told him I don't need the attitude so let me talk to your Supervisor. he hung up the phone so now the war has begun with me.
Now as a result to this matter I have been placed in the Credit Bureau for a closed bad account and the company is accuring interest and fees on this account so on this note please add me to a CLASS ACTION SUIT AGAINST APPLIED BANK TODAY OR TOMORROW. Thanks and God Bless we will win at the end.
It has brought my FICO points down and now my wife and I are trying to purchase a new home and I need my balance to be under 200.00 per my debit lawyer counsler.
Susan of Oxford, AL August 18, 2008
Susan of Oxford AL (08/18/08) I got this credit to help improve my credit but I could not keep up with the demands they were making on me. No matter what i did I could not get ahead of the charges they were putting on my bill. They would say the minimum payment was 25.00 and I would pay 50.00 this was not enough. I soon asked they cancel the account and allow me to pay the balance. I had some financial issues come up and was unable to pay more then the minimum and soon I was up to 1000.00 dollars owed and harrassing phone calls from foreigners trying to get money for the debt, but I don't feel I owe them 1000.00
I feel my actual bill should be less than 200.00 the extra 800.00 is the charges they have tacked on. They call and lead you on by saying we will put you on a debt payment plan and after six months your credit will back on track but you will still owe the 800.00 I have told them that I would pay my debt but not the extra charges and over limit but they refuse to work with me I have talk to many different people there and none of them speak english not even the supervisors.
My credit is ruined because this company is unwilling to work with me. They insist on charging outrageous fees and making sure they can charge over the limit. They direct their advertising towards people with bad credit once they get you in the interest rate and monthly fees and all other charges put you in a worse position then you were in.
Mandelyn of Buckner, MO August 16, 2008
Mandelyn of Buckner, MO (08/16/08) My balance was 481, then they charged me with a late fee of 32 and an overlimit fee of 32 and a monthly maintenance fee of 10.95, plus a finance charge of 16.09. I wasn't over the limit until they tacked on all their fees.
I closed this credit card over a year ago and they are still charging me the overlimit fees, maintenance fees, finance charges, and late fees. I called and tried to get a settlement so I could get rid of this card and I told them I would send them 336 and they told me that was fine, but when I sent it I got another bill and it was 851, after I sent them the 336. My credit limit was only 500, and now it is almost 700, because I have been sending them money to try and pay it off. They are still sending me bills and charging me all their fees.
They call my home and cell phone starting as early as 8:00am and as late as 9:00pm, more than 10 times a day.
James of Parma, MI August 8, 2008
James of Parma MI (08/08/08) 2 times now my card has shown an available balance and when I spent the available balance they added charges in order to add a 30.00 + charge. I got this card to build my credit and so far it has been nothing but negative. I have made each and every payment on time and I am so sick of being abused in this economy! Each time I called the customer service line I was sent through the same menu in an effort to defer me from speaking with anyone and when I was finally put onto the right path to speak with a live person I was disconnected. This should be illegal. I was never able to speak with anyone the last time this situation occoured but this has gone to far.
The 1st time my available credit was 48.00+ and I bought 48.00 worth of gasoline. Then the company tacked on their 7.95 online payment fee that sent me over the limint causing me to be subsequently charged for going over my limit. Mind you, the available credit stated on my online account services menu had allready reflected the payment made but they waited until the day I spent the to add the 7.95 charge. This time I had an available credit limit of 51.00 and spent under 50.00 as was UNDER the ammount reflected on my statement. Once again they waited until THE DAY I spent this credit to add this charge thus enabling them to add another charge! I can't even believe people are allowed to run a buissness based on dishonesty and scaming the customer.
I got this card to build my credit in order to buy a home. When I applied my credit score was 650+ and now it is a 507 after many months of paying on time (even the proposterous overage fees) and I am just sick to my stomache that people are allowed to abuse honest hard working citizens the way they have. Now if I cancell this STUPID card it will reflect even more negatively on my report thus making it even harder to buy a home!
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