If there is a class action against them, I want to put my name in the pot. I owe them in round figures 1,000. They charge 22% interest plus 10.95 a month handling fee. The handling fee goes on your account on the 10th of the month and the interest goes on when your statement closes on the 5th.
I pay them 75 a month, and I am always over my limit. When you look on line at your statement and balance, it shows 10.95 was added on the 10th, and you figure 22 average will be added for interest. Therefore, if I wanted to use my card at Wendy's, I can afford a salad and a drink. But no - that's not the way they handle things. They charged 10.95 on the 10th, 22 on the 4th, and another 39 on the 4th for you going over your limit on JUNE 10th when they added the 10.95 again...because I paid on line for a charge of 5.95.
This is crazy. They don't add fees for 30 days after the closing of the previous month, and you are held responsible. Their customer service person said every bank has a right to set it's own schedule and that's the way they do business.
I have paid 75 a month on 1,000 for six months and continue to be over the limit by 3 and 4 - for which they charge another 39 each time. There seems no way to pay this bank off.
Kevin of Johnson City, NY July 2, 2008
Kevin of Johnson City NY (07/02/08) I paid off my credit card (I recommend anyone who has one do it as well) And they still kept trying to charge even though I cancelled the card 7 months previously. Customer service is hard to get ahold of. You keep getting looped on the phone system.
Consequences is it will affect your credit report but I got rid of them.
Linda of Colorado Springs, CO June 29, 2008
Linda of Colorado Springs CO (06/29/08) Applied Card Bank has been calling my home number several times a day, every day, to include Saturdays and Sundays. The caller ID says Unknown Name and phone number 866-873-8592. The calls begin at 8:05am or 8:06am MDT and proceed throughout the day every two hours. That is until the evening hours where the calls increase to approximately every 33 minutes, which halt at approximately 8:00pm. THE END RESULT IS 12 HOURS OF CONTINUOUS INCOMING CALLS EVERY SINGLE DAY.
Carrie of Hedgesville, WV June 27, 2008
Carrie of Hedgesville WV (06/27/08) They keep putting fraudulent charges on my account They keep putting me over the limit and have been charged hundreds of dollars they call several times a day a ever time you have to explain the situation to a new person
Elizabeth of Tempe, AZ June 27, 2008
Elizabeth of Tempe AZ (06/27/08) I keep getting charged cash advance fees every month. They average anywhere from 3/month. I know that's not much, but when you average that in over a year, I'm getting charged 36 for cash advances that I never got. I don't do cash advances on credit cards yet every month, there's a fee added into my balance. I tried calling customer service and got stuck in a phone tree loop. Their site says they have somebody there until 11:30pm ET. I called around 8:30pm ET. I press the number to speak to a customer service representative and it kicks me back to an automated account balance message so that I'm unable to actually get clarification on, or dispute, these frivilous charges.
I too have been the victim of getting charged for being over balance, when in fact, I knew I wasn't; however, it seems these guys are locked down so tightly, you can't get in contact with anybody to discuss it. While they encourage you to check statements, etc online, they don't offer any sort of online assistance or contact information UNLESS you are disputing a merchant charge (not an AB charge).
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