About Applied Bank Credit Cards
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I’m writing this review in order to try to help others. The credit card is not mine, I was helping a family member that lost a job. I’ve worked in the credit card industry for years and have never seen something like this.
1. They charge fees for doing payments online and over the phone…even if your account is in collections. You’re already broke but you get the money. You call to close the account and pay it current and they will charge you a $12.95 fee on top of all the other fees. I get a fee for convenience payments but on an account in collections, that’s just dirty. Especially when their website is down.
2. The customer service is horrible. They know they have people with credit problems as their customers and they treat them that way.
3. If you close your account and pay it off, you will get another statement. You may even get 2 more. We aren’t there yet. Residual interest is what it’s called. If you don’t pay it, they will charge another $39 late fee on the pocket change you still owe them.
4. They charge $.50 just for getting account info off their automated line.
There are some fantastic cards out there that can help build credit but this isn’t it. Do some research before you get a card and read all the fees before you apply.
Applied Bank - Credit Cards payments and interest rates. This credit card company changed they way I login to make a payment days before I make my payment. When entering banking information to make payment before due date. They claim it will take 2 to 4 days to verify my banking information to make the payment. That 2 to 4 days would mean my payment would be late. And they would charge a late fee. I think this is a unfair practice to just collect late fees. Desired outcome: Make account verification faster. In today's digital world it should not days to verify a banking account
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This credit card company is awful. I was never able to process a payment online. When I requested for my account to be reset they said someone would reach out to me in 24 hours. No one ever reached out. I never received an email to reset my password. I made continues phone calls, no help! Customer Service was horrible. I paid my card off and they never reported it. It kept showing I had a balance and that I was 30-60 days late. I was late once and that was because their site didn't work. I was never ever able to make a payment online. When I asked for my card to be closed they had to put me on hold to get approval. I thought I was the customer and I am the one requesting the card to be closed. Why do they need approval.... Closed Card.... We will see if that gets reported. Unhappy Customer.
I have been trying to get a replacement card for 1.5 months now. My account was paid in full when I requested it and they charged me a $30 replacement fee. I have called 5 times now to inquire about when I can expect to receive the card. Each representative has told me the same thing. They do not know why it hasn't been sent but put me on a prolonged hold while they investigate. Each time they say they are going to try to issue a new card and will see if they can waive the fee (which I was already charged). Amazingly, each representative has waived the additional fee as if it is a favor to me. In spite of never sending the card, they are charging me a $29 late fee for the card which they never supplied, as well as finance charges.
Someone stole my credit card, so I called to get a new one. I never got a new one and then needed to call to get another one. They ended up closing my account twice and opening a new one which resulted in 2 closed accounts and 2 hard inquiries on my credit report. Just to get a new card. When I called in to talk to people about it....I was hung up on three times and then told that if you ever want a replacement card, that they will report it as a closed account no matter what.
I had the card for less than a month after paying 85 dollars for it, then they took a third of the 300 credit limit, they told me I had a 200 available credit and a 200 dollar balance due, I paid the balance of 200 only to find out two days later I had a balance of 91 dollars, with a 4 dollar available credit...Pure scammers
Never pay your bill with your checking account. If you think your money is available forget it. It takes 12 days to post. This bank has no experience in managing your credit cards. I am paying off this high interest credit card that has no experience in personal relationships. Too bad.... they just designed a program for your phone to make payments. It almost takes an act of God to see your account. Good luck to everyone.
On March 4,2021 I lost my job. Filed for unemployment but did not receive any money 'til July. I had 4 credit cards. Never missed a payment. Now honestly I charged too much. I bought the payment protection plan on all of them. In July I was finally able to catch up and pay them all off. Excited to have my cards back. Yippie. Oops I was wrong. I paid them off but even with the protection plan they were all cancelled except applied bank credit card. I just want to thank Applied bank for being the only company that held their word. I will praise y'all for even how kind they were on the phone. I'm still behind in bills because the others cancelled me but I paid them off anyway. Anyway tired now just had to share with others to go ahead and try Applied bank, you will pleased with your experience.
Applied Bank Credit Card is very Horrible, they expect you write a letter to get late fee waive. There is no type of award for being an on time customer. They know people don't have time to write a written statement or fax over anything to get an late fee waive. This the way for them to keep the $27.99 late fee. This is the worst card I ever had in my life, I wouldn't recommend this card to no one. If someone looking to start they credit please don't let this be the one.
The overall experience was not an enjoyable one due to the fact that their service is just terrible. By far one of the worst, if not the worst, credit card companies I have ever had. No app, checking online is a hassle, customer service seems to be almost non-existent ( and now I have to deal with a headache of a bad rap on my credit report.)
I had purchased Payment Protection Plus Program, as I do with ALL of my credit cards, and during the pandemic I fell ill and had no choice but to activate my so-called payment protection. After months of being sick and recovery and everyday life, I received notification from Credit Karma that the account was delinquent. Outraged, I called and the representative was absolutely no help and went on to tell me that I had to catch up on payments that were past due and THEN I could utilize the program.
I brought to their attention that when I activated the program (during my illness) I HAD been current on all payments, to which she seemed to have no reference or knowledge of. The representative then asked how I was going to pay today and I answered truthfully that I had absolutely no money in any accounts nor on my person. They had the audacity to recommend that I not make my car payment for that month and pay Applied Bank instead. I could not believe what I was hearing! I attempted to call back twice over the next several weeks and I each time I was somehow automatically directed to the exact same person even though they were not assigned to my account. Currently I am filing with consumer protection and a few other options. STAY AWAY FROM THIS CREDITOR!!!!
Applied Bank Credit Cards Company Information
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- Applied Bank Credit Cards
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