Johnny of Grand Rapids MI (06/18/08) I made a payment by mail on my account and I made sure that I mailed it well in advance of the due date and still got stuck with late fees and over the limit fee because the payment was not posted to my account until after the due date which resulted in a bunch of fees. This is not the first time this has happened to me with this card and you can not get any relief from their customer service.
Because of these fees I can never get the account paided down it is like a never ending circle. This is causing, my credit score to go down.
Ann of East Boston, MA June 13, 2008
Ann of East Boston MA (06/13/08) I have a credit card with Applied Bank, had for a couple of years now. I ALWAYS make my payments ON TIME! However, Applied Bank claims they received one payment of mine 4 days late and now they are charging me 180.00 over and above my last ON TIME payment to them. I called their customer service and was told that although I do have an excellent payment history... there is nothing they can do. In short they want the 180.00!!!!
Princess of Amarillo, TX June 3, 2008
Princess of Amarillo TX (06/03/08) Applied Card Bank representative promised to remove late fee and overlimit fee which resulted not because my personal card use, but due to thier monthly maintenace fee and internet charges when I paid. Also, payment was not posted timely. Promise to remove these fees was discussed 4 months ago. They were not removed as promised and they continue to add them on monthly. I have been paying until 2 months ago. I sent in a reference letter via mail to request fees removed and as of 6-1-08, the letter was never recieved, which did not surprise me, so I have called back and sent via fax.
Credit reporting Score has dropped and continues to drop. I am in process of refi to end ARM mortgage note and go to a fixed rate so that I will not lose home.
Reazy of San Bernardino, CA June 2, 2008
Reazy of San Bernardino, CA (06/02/08) I opened an account with Applied Bank. I had been paying on time each month. And they increased my credit limit over the phone. They charged me 100.00 to do this without informing me. That there would be a fee and If I had known I would have declined. They started reporting me as being late to the credit bureaus. Which I was never late.
This had damaged my credit rating and my credit score has been dropped since this incident.
Reazy of San Bernardino, CA June 2, 2008
Reazy of San Bernardino CA (06/02/08) I opened an account with Applied Bank. I had been paying on time each month. And they increased my credit limit over the phone. They charged me 100.00 to do this without informing me. That there would be a fee and If I had known I would have declined. They started reporting me as being late to the credit bureaus. Which I was never late. This has ruined my credit. When In fact this was there error not mine. I always paid on time this why the increased my credit limit. I contacted them and they wrote a letter to me stating we are able to honor your request to remove the delinquency from your credit report.
This had damaged my credit rating and my credit score has been dropped since this incident. I am asking they take the one time late off of my credit report.
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