Applied Bank Credit Cards Reviews

I won't regurgitate all the other complaints against Applied Card. Most of which are the same complaints I have, but rather I'd simply like to know if anyone has an actual e-mail address to contact them so I can track the message since phone calls don't work. After having a card from this predatory lender for over a decade due to having bad credit, I paid off and called to close it. Was of course charged yet another $15 fee although I closed it with a zero balance, and was told by the call center rep that I'd receive a letter in the mail confirming that it is closed.

I've been waiting all month long to receive my new credit cards. I've been with Applied bank for 3 years and have always made my payments on time. I have been contacting customer service since the beginning of May asking when will I receive my cards and they say "you'll receive them 2 weeks before the month is up." I contact them on May 15 stating that I still have yet to receive my cards. They go "you have returned mail and we need your new address." I tell them my address has never changed, I never changed it, and I get my bank statement every month from them. They say "oh no problem it must be an error and we will correct it."

I lost my job, went on disability and needed a credit card to spread purchases over a period of time. Applied Bank supplied me with a secured card. I am able to make smaller than purchase price payments and improve my credit.

This credit card is pretty pathetic. It is impossible to access any credit card activity prior to six months, and actually one of the six prior months is "currently unavailable for viewing please check back later". I've been getting this message for three days. This inability to view last year's activity for income tax purposes makes this card useless for a business. Real credit cards (Citibank, Chase for example) organize and categorize prior activity. Doesn't Applied have computers? What a joke!

This is the most horrible bank/credit card company I've EVER had to deal with. I have been with them for 2 years....even though my account reflects one year. I opened the account in the beginning of 2013. The only reason I opened the account was because I was building credit. It was secured by $200. I've NEVER been late once on this account. Not once. I have had a perfect account. I go online to check my account, as I do with all my accounts every few days... and there is a balance of $50.50. It’s not my charge. I look over the account trying to find out where that money is coming from. I can't find ANYTHING.

Called paid off Balance on the 11th, paid it off included the 10.95 charge that was cause I used my debt card. Customer service rep, on the 11th closed it for me, said that I will be getting a letter in a couple days. Filed it today 24th. Got a statement, finance charges of 13.98 owed. Really! For what says cash advance, really on the 19th how if the card was closed on the 11th. Called, spoke with a customer service rep. She stated that if was from the Jan. 2015. What? How come the system was not update... Scam scam... So asked how much is owed now, well 14.04, and will go up by a penny everyday... really... Fire coming out my mouth... scam scam. If you are want this card, think again... Look at all of the reviews, most are the same.. Scam Scam Scam SCAM... Go to Discover - the best card on the planet....

I contacted the worst customer service ever for review and refund of two overcharged fees of $35.00 each one for over the limit fee and the other for late payment which they are wrong. Refuses to waive charges. Very nasty, unprofessional customer service. Be careful on doing business with them.

Their monthly maintenance fee is $15 which is ridiculous! If you forget to make a payment or have an emergency and cannot pay it, they do not waive fees (even as a one time courtesy like most banks). There were many times when I did not receive a letter, my bill is never consistent, their website is not user friendly, and I have to ask for them to send me a card when it is expired (most banks just send it). Because of all of the fees, I feel like I can never pay off my bill and I haven't used my card in FOREVER!!!

I have had this card for nearly 2 yrs and I have had very bad customer service from this bank... I have faithfully made payments on time and I actually noticed today that they added a 10.95 payment fee to my account even though I added it to my payment when I made it... They also reported me 30 days I made a payment that was not the minimum amount. I was told that if I made that payment it would not be reported but it was... I disputed that with the FTC and now applied bank is not even in my credit report at this time... This bank is terrible outrageous fees & bad customer service.

Everything you have read here is accurate. I have had a Applied Bank Business credit card for 2+ years. Started with $500 limit and eventually got it to $1100. Was charged $100 fee each time it was raised. Always paid off the balance each month and was charged $10.95 to actually PAY my bill. A $9.95 account maintenance fee and 24.95% APR monthly. It will cost you over $30.00 a month just to keep this card in your wallet or purse even if you DO NOT USE IT!! Do not get this card. Try Continental Finance, or even Capitol One secured. They raised my limit within 6 months from $200 to $750 and didn't charge me a dime. Applied Bank is a version of the modern day "loan shark". I have closed my account and await to see if additional fees are imposed. I will update and investigate if it does.

I have paid my bill on time and they still are saying I owe over the limit fees. I have been trying to get in touch with them but whenever I call I can NEVER get a live person on the phone. I have been trying everyday numerous times to get a live agent but have had no luck. They keep adding on these fees every month.

Their people are the worst. The account being reported to the Credit Bureau cost me my job. I was required to contact my Employer to request a letter stating that I was going to take care of the balance in the future. They refused to help me. They are the worst. People do not do business with Applied Bank, I'm telling you. If I could have everybody fire in their corporation I would; they do not care about their customers. The world will know what kind of people they are. I will make sure of that.

Applied Bank has terrible customer service. They are closed weekends. It is incredibly difficult to get a live person anyways. They will hold your money for up to two weeks after the merchant releases a hold. This process is normally a few days with real credit card issuers. They will assess a penalty and not allow you to use your card for if you are more than several days late, and they take forever to process payments. What a disgusting "bank". Why are they not accountable for their strong-arm tactics??

Applied Bank is basically a "Leach." Once they get their hooks into you, getting out is very, very difficult. I've had an Applied Bank card now for several years. I mostly used their internet site to pay my monthly bills. They say ignorance is no excuse but I never realized that their interest rate was over 29%. I must have been desperate taking out this card. For every dollar you pay them, they take .30 cents.

My secured card after 1 year was to be increased by $200 and become unsecured. After 1 year the company TOOK $50 as a fee. I called and requested from customer service a copy of my agreement (and told them I would NO LONGER need their services, only to receive a bill later) and was told it'll take up to 10 days. Never received the info requested.

When I applied for the secured card, I was supposed to be able to switch it to an unsecured card after making on time payments after a certain length of time. Good way to build up credit or so I thought. I've requested they switch it to an unsecured account and they have refused saying they NEVER DO THAT. So my $500.00 is stuck in an account that they are making interest on. I pay the card off faithfully every month, some months I don't even use it. I cannot get a higher limit either unless I deposit more money. What??? I cannot close the account without having it adversely affect my credit score and I want to buy a house. Do not fall for these scammers. So far I'm not paying any interest or fees, except the annual one. Also their website sucks as far as resetting your password information. Unlike legitimate credit card companies, they only work normal Monday - Friday business hours.

I was 2 days late with my payment and they turned my card off. I have had this card since 1998... I was totally shocked at their actions. I have paid the card off at least 2-3 times in the past year and when there was no balance, I was charged $5 a month just to have the card...This is a rip off!... The interest rate is crazy high.... since I have good credit, there is no need to continue giving these rude people my money! I will be cancelling this card asap!

I have been charged fees for being late when I was clearly on time, then charged returned check fees when it clearly stated on my statement the payment was paid, my bank shows it cleared. They ran it through twice, finally posted on the 17th when I made it on the 13th. Then it shows it posted on the 23rd. I call one day and it says I am current, then the next it says past due. Now my account is frozen, can't make online payments. I sent a bank wire and they still haven't posted it and my bank says the money is sitting there not being posted. I have been a good customer for years, never late, always pay more and now get treated like this when they made the mistake. I contacted the BBB and the Delaware attorney general.

This is my 3rd attempt with trying to close my Applied Bank account. This bank placed extra fees on my account for a whole year to the tune of $300 before I realized they never closed the account. I paid them off and insisted they close it only to find out a year later that it remained open. I've just demanded they close it again and they are still insisting I pay $300 in fees. Again, please note that I never used the card! Now I finally get a letter but they have ruined my credit and claim I owe them. I called customer service and complained and they told me that I would get contacted by customer service in 48 hrs. Well, it's been 4 days!

Closed account because their Customer Service was awful, interest rates very high. I was STILL charged a fee for "USE" of the card. Can't get out from under this card. Don't use it. Fees keep going up. Hate them. HELP!

I got some credit cards in the mail... I did not read the fine print. I only got a 300 dollar limit on each card. I got the cards to build my credit up. I charged a few items on my Applied Bank card, around 100 dollars. When I got my bill in the mail from Applied Bank it had me owing 300 dollars... They said I owed a 195 dollar origination fee on the credit card... That's crazy. I have never heard of a origination fee on a credit card. I immediately told the bank I was cancelling the card. I paid them what I charged plus an extra 10 dollars but Applied Bank refuses to cancel my card. Each month my bill get higher and higher. Plus they call and harass me 10 times a week. Now they say they are going to report me to all the major credit agencies. It's like I'm dealing with the mafia.

Applied Bank states I opened a cc back several years ago. After fighting them for YEARS, and sending fraud affidavits they "never received" by mail, fax or otherwise, they refused to acknowledge that maybe just maybe I did NOT open the account. Where I went wrong: IN 2006 when I first got a mailing of a bill: I called them. They said "Verify your SSN" and my dumb butt gave it to them. The rep said "That's not what we have" and then PROCEEDED TO CHANGE IT IN THEIR SYSTEM TO MATCH! That is ILLEGAL! If the info doesn't match, then OBVIOUSLY it's NOT mine!

It has happened three months in a row. When I first applied for Applied Bank, the website looked promising. The highest rated bank in America, you say? Wow! Sounds great. But I know I won't get approved. "But hey, I need cash and it's better than a payday loan so why not?" I thought. I got approved for the business credit card with a limit of $350. Well, not really... After the opening account fees and such, my limit was only $225. I cash advanced that at my local Chase Bank and used it for my bill, gladly thinking of that low payment I'm going to have :).

I have an open credit card with them that’s paid on time and in full. Just like the others, I was charged fees and reported late. This bank is very dishonest.

I had no choice but to file for bankruptcy. In an attempt to rebuild my credit, I applied for several credit cards. I was approved by Applied Bank and had a $350 credit limit. I activated the card and used it one time for a cash advance. When I received my first statement, the annual fee, activation fee, cash advance fee, and interest cost me nearly $250 and drove me $1 over my credit limit, in which I was charged a $35 over-limit fee. I tried to dispute and they refused but said that I could close my account. I closed the account, but they said in order to get an accurate payoff, I would make a payment over the phone at a cost of $29. Otherwise, interest charges will continue. I made my first payment in a timely manner, and they said that they did not receive it by the due date and I was charged a $35 late fee.

There's no need to drag on further about Applied Bank and their unethical lending/credit card tactics... They NEED to be held accountable for what they've done. I share in everyone's comment(s) regarding these SOBs - (putting it lightly!!). I suggest you go online and report their tactics to the State & US Regulatory Commission - (US and State agency that will bring civil and potential criminal charges of consumer fraud against this company and their responsible management). I filed a complaint last week. It's very important that they recognize that they are required to provide the/a consumer a "Disclosure of Fees" outlined in an Account Agreement. If you applied for and received this card, they MUST provide you this information. I never received this information and am in the process of legally doing anything and everything necessary to ensure this bank's tactics come to an end. Talking with Applied Bank has proven in vain.

My minimum payment is $35. I paid 3 days after the due date and it went up to $95 with penalties... Darn Rip Offs!!!

This is the worst customer service I have ever dealt with. I paid $500.00 deposit. I had my account for 2 months and paid $150.00 online - minimum payment was $30.00. They still haven't applied my payment. When you call them, it takes 20 minutes to get through to a live person, and then you can't understand them and they are very rude. They don't seem to understand you are their customer and they don't try to help you at all. And their fees should be against the law. Don't get this card!

I applied for an Applied Bank Card last year and this was the worst mistake I have ever made. Their rates are high; they charge fees for possessing the card and using the card. Each time I make a payment, it seems that I owe even more the following month. I have been making payments hoping to pay this damn card off, but it keeps getting higher and higher. I will pay this card off and shred the damn thing as soon as possible. A company like this should not still be in business. People, beware of the outrageous fees!

I currently possess a secured credit card from Applied Bank which means, every week, I would post money to the account for the following week's usage. This I have been doing for more than 6 months. Our last big transaction was for a month's rental from Budget Car Rentals for which our total was $694. This payment wasn't a problem for us because we made routine payments weekly via Western Union payment method. From the dates in question, the available amount we currently have in the account is not adding up and each representative we speak with gives us a different answer. When I reached out to the department and questioned my online statement, the following day, my statement was removed.

I requested the card back in Dec (online). The card came in early Jan. Online it said that upon activation, the fees would be due within 30 days. In Feb I received a statement for fees, but I never activated the card. I did not think twice about it until Mar when I started noticing the phone calls and the emails stating that I was late on my payments. I spoke to CS. The rep stated that because I had not activated the card and no charges had been made, they would cancel the card and I would no longer have to worry about anything. The calls kept coming. I spoke to someone else and they said that the account was canceled but I still have a balance of over $200 that I never activated.

They charge really high fees for everything. Even paying your bill has a huge fee on top of it. The website is impossible and requires an insane amount of steps just to log back in. If you accidentally get this card, just pay it off now, close it out and be done with them. Don't ever get caught with a card like this again.

I had an Applied Bank visa. I never went over my limit but when I made my payment, they kept adding their fee, which pushed me over my limit. Then they wanted a bigger monthly payment now. I also got a refund for an item which should have counted towards my payment. When I made my payment, should have made an overage, but that never happened. They said it was still behind so I closed my account. I am still behind and they still are charging the high fees, which are against the credit card reform act the president signed. Someone should file a class action lawsuit against them.

I made a $1,000 security deposit in 2011 to get an Applied Bank Visa credit card. I made all payments early and was never late. I cancelled my card in Feb. 2013 and requested a refund of my $1,000 deposit. Applied Bank sent me a letter stating that my money would be refunded within 30 days of my final payment (my final payoff date was Feb. 17, 2013). I have received no refund! They ignore me! They are a scam! I am filing a complaint with Delaware Office of Consumer Protection. Avoid Applied Bank!

I was going to use my Applied Credit to rent a car. I changed my mind and cancelled the rental. I didn’t pick up the rental car. I was told by the rental company that if I don't pick up rental car, even if I don't cancel the reservation, there will be no authorization amount put on my credit. The rental company put an authorization on anyway! I had the rental company call the credit card department of Applied Bank to take it off. They sent a fax over to have the authorization taken off twice and also called Applied customer service twice. I was told by Applied Bank that all authorizations would have to stay on the Applied credit card for 14 days, even if the authorization was put on in error.

My credit limit is $500. I had a balance of $499 as of my on time payment in Jan. 2013. I did not use the card at all during the next billing cycle. Then they called me 3 times on the weekend to inform me that I was now $110 over my credit limit. I looked up the laws of the 2009 credit card reform that President Obama put into effect. Applied Bank is not following the law. The law states that an over the limit fee cannot exceed $25 yet Applied charges $35. They also charged me an inactivity fee which is also illegal under that new law. They also use their monthly service fee to put you over your limit so they can charge you $35. The woman who called me was quite rude and spoke in such an Arabic accent I could hardly understand her.

I tried to pay my bill online on the due date and the website said I could not. I tried calling customer service; they were closed. I paid the next day and I got a late charge. This is **.

I have been paying $70.35 a month faithfully on this card almost a year. I never go over my limit. Now they say on the recording on the phone that I have $805 balance with $55 overdrawn. Now, the statement says I have $785 balance with $35 overdrawn. I can’t get anyone to answer the phone. I am tired of them and want to stop paying them; I live in Tennessee. Why isn't anyone suing this company after all these complaints?

I tried to check my account online. First, I put in the username, then I had to put in for an ID code which was to be text message, but it never arrived. After I tried this mode several times, I called for a person via customer service (balance, etc., pres 0 for customer service rep) but it takes you back to balance and you never get anyone. Then I finally get a rep who insists that I repeat the same steps and by the time you get a new password and I.D., the code also has expired, and you get so angry you want to shoot the whole damn computer and rip anything named Applied! What a ** farce it all is. Unfortunately, we're the ones getting the ulcers! Applied laughs all the way to the bank! I hate them!

Okay, I have more than a few secured cards trying to rebuild my credit and keep my payment history clean. This company is horrid. If it wouldn't ding my credit cancelling the account, I'd cancel in a heartbeat. Their customer service agents are nearly impossible to contact. I didn't know about the monthly fee on the card. It was most likely in the fine print though. But the worst offense is I pay my balance off monthly and they hold the funds for nearly a week before I can utilize them. Oh yeah and they charge $30 for an authorized cardholder. I do not like this company at all. Do not use them. There are better, more reliable cards!