Applied Bank Credit Cards Reviews

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!

I have a credit card with this company with a $1,500.00 limit. I purchased some items online and paid for them using the credit card. The amount was immediately deducted from my account. I never received an order confirmation from the company nor was I able to get in touch with them for 10 days. I called their number and no answer was given. I tried to log in into my account to review the order or submit a help request and my account was invalid. To make a long story short, the company is fraudulent. I called Applied Bank customer service to submit a dispute and was informed it would take 7 to 10 days to resolve the issue and a credit would be issued after that.

Your limit is what you let them hold, so it's $200. I pay it twice a month. If you use more than a hundred, it hurts your credit (more than fifty percent of the balance) but I pay it in full twice a month so they show I paid it but there is no credit to the account for ten days. And they say they received it three days after an electronic transfer. So thirteen days after I pay a card balance, I got a credit on my account on a ** two hundred dollar card that they already have two hundred of my money and not only can I not use my money, but they report a balance that has been paid. LOL, credit is a banker's game.

I've had my AB account for 4 years. I was never late and never had any problems. My card started peeling apart and delaminating. I called to request for a replacement card for $30. It seems that they spread the expiration dates out so long that you will have to request a new card. So sad, I missed that fine print.

I am unable to contact a human ever on this website. I have extreme charges for internet or phone payments with no guarantee of snail mail payment being posted at time of arrival, which is odd since I live in NC. I can drive to Delaware in less than 12 hours; 7 days seems a bit slack. I was placed on phone forever, only to finally hear my phone say that my party has disconnected. Internet/Online banking is unworkable or maybe I am just a **, but I have 7 other credit cards - Visa, MC, big names, little names, high rates and low rates and they practically crawl through the line to help me. What did you apply to besides being a tax-free Delaware, suck the blood out of a turnip company or should I say loan shark? Do not look for a dime from me, you will not get it ever unless you send a representative from your scam op to my house when I am home. I will gladly make a payment as all other cardholders I do business with will attest. I pay my business on time. Your business suck!

I had a bankruptcy case in 2003 which closed in 2008, applied account number **, was paid through that case. But yet they are trying to collect money. It’s been over 7 years and they still continue to try this by placing it on my credit report, TransUnion, over and over again. Meaning, it was placed on my report .I contacted TransUnion and sent verification of my case, but they continue to have it placed on my report. It’s been 0 years now and this record keeps playing.

I found out in 2011, after pulling my credit report that I had two accounts listed as being mine. At first, because the numbers were so similar, I assumed that they were one and the same account. After review with a rep from a credit counselor, they pointed out where the account number changed and therefore had to be different. I immediately contacted the company trying to get them to tell me where this account came from. Customer Service is the complete opposite. The customer has nothing to do with the service that they don't even try to supply. I have contacted the credit bureaus several times to advise them that not only did I not have knowledge of the account, but that I already had an account with them and had never used this other account or signed or received a card for this other account otherwise I would have returned it. They stated that they verified the account, which obviously they would be able to but upon further investigation, they would see that I had nothing to do with this account.

Refund of overpayment: I pay my bills through Flagstar Bank bill payer. I intended to pay my $1,150 mortgage but I selected Applied Bank instead. I owed Applied Bank in total, $100.00. This gave me a credit balance of approximately $1,050.00. On April 3rd, I called Applied Bank and have been trying to get this money back and they suggested I file an unauthorized ACH with Flagstar. I did that and after two weeks, Flagstar sent me a letter of denial saying that it was not an unauthorized payment but a mistake on my part so they could not pull back the money. Great! I called Applied Bank back and they put in a request for a special redeposit for my money into my Flagstar account. It has been almost a week, so I called Applied Bank again and they said they could not provide me a date on when I can expect to see the money applied back to my account, if at all before the next 30 days.

This pitiful excuse for a so-called bank has a history of charging monthly maintenance fees (which are outrageous), numerous billing mistakes, and extremely poor customer service. Also, they have unbelievable interest rates. Run as fast as you can in the opposite direction of this ripoff. I have had this card for several years, just to help improve my credit. My mistake.

Within a 2-month time period, I made 2 payments totaling over $600. I called them stating that I would be 1 day late so they charged me a $32 late fee. They said that it would not be reported to the bureau; however, I am a little leery about these people and that they mess up my credit report. A $15 monthly maintenance fee? What what are you maintaining? Interest charges out the rear end. It really should be illegal what these credit cards, especially Applied Bank, do to people! I hope they go bankrupt. Karma is a **!

I am simply not activating it after reading these reviews (I received a letter and card today). I refuse to activate this card. I will call Monday to explain to Applied Bank why not and will ask for my $500 deposit back ASAP. Thank you for this site!

I was told that I was being denied access to my online account since I had returned statements in Sept 2011 and Oct 2011. I did receive their bill. Lisa of Fredericksburg, VA posted on 12/23/2011 the same issue I experienced. I filed a complaint using the Fair Credit Billing Act as I did not receive bills as required and they did not process a payment over the phone as requested. I contacted them and they would not unlock my account. I subsequently called back. A gentleman opened my account a few weeks later. This company is a scam and if I do not hear back in the required timely fashion, I am suing and filing a complaint with FTC.

Applied Bank agreed to settle a 6-year-old credit card account in which the balance was $700. They faxed me the pay for deletion, saying if I pay $490, they would consider the account settled and remove it from my credit report. Instead, they updated the account as a charge off and left a balance of $210. So it lowered my credit score by 40 points. They didn't honor the agreement!

After discovering the $15/month fee could not and would not be erased, I decided to cancel the card. I also quickly discovered how impossible it is to make actual contact with a real person. The automated phone system is a joke. I have never tried to use such a worthless system, nothing but round and round with recording and no way to get through to a real person. Also it is almost impossible to make contact on line.

I applied for an authorized user card, even though it is the same account, I was charged $30.00 fee since this time. I have requested that this card be cancelled immediately and my account be adjusted to reflect this. This bill has been paid down considerably and no credit increases have been initiated or any other adjustments. I intend to pay it off and cancel it. This is the worst, you cannot get anyone by phone, it is just a rotating phone system when you get to talk to no one and cannot contact them through email or anything. This is one big mess!

I am not receiving paper statements. I am being charged for my monthly online access however, suddenly, I cannot view the statements online so I have no statements now. When I requested copies, they are charging me $3 per copy. I have made multiple calls to them about the inability to access website areas and not receiving statements. They're answer is, “We cannot help you with that.” I requested the supervisor to call and discuss the account problems but the call was never received. I am charged for online payment processing fees when I could not see the statement online.

I paid my credit card bill 1 week in advance after paying their ridiculous $6.95 fee to process an online check to pay. Other fee is $10.95 to use a debit card having a positive account standing I may add. They took over a week to post my account making it negative because they can’t process customer’s payments on time. Now correct me if I'm wrong but a customer who pays a week in advance shouldn't be treated in such a way. They basically took $57.96 and ran with it only crediting my account $9 of the $66.96 I paid. Did I mention I paid a week in advance and never used the card! Their fees are scandalous, either $6.95 or $10.95 to process a payment plus monthly fees plus % fees. Are these people loan sharks?

I despise this company. In addition to the monthly $15 "maintenance fee" imposed recently which is probably barely legal, and the fact that on the 31st day I was late with a payment (though I have an excellent payment history), they have been telephoning me at least once a day. Today it was twice even though I told the first guy the full monthly payment would be made in five days! It's nothing but harassment and the $15 is a scam if you ask me. I wish I could pay the whole balance off and cancel this card!

Americans are under the impression, for some reason, that the Better Business Bureau is a government entity which keeps track of businesses for the safety of the consumer. In fact, the BBB is paid by the companies for good ratings and makes all profits from these businesses, none from the consumer, so you can see why many of these ratings are false, or at the least, lean towards favorable ratings for the companies.

This company states that I have an account that I never had ownership of. I learned of this from my credit report. I filed a dispute and they never obtained the information, but keep reporting a derogatory account. I am unable to better my credit because of the negative information.

In the beginning, I wanted my account to be debited each month so that I did not miss a payment because I know that applied bank will charge a huge late fee. Well, I set up the automatic draft and each month the payment was deducted. After 6 months worth of deduction applied bank stopped. I assumed that they were taking the money out, but then I received a phone called 5 days after my payment and was told that a late fee was added and I needed to pay. The rep was rude. I told them i couldn't afford it and the lady laugh! So rude.

After being a good customer for several years, I am being charge $15 month annual fee. That is $180 a year by the way! And 29.99% interest. I called to have these changed and they refused, stating a business policy. It this is their business policy, then consumers should not use their product. I cancelled my card and will take my 700+ credit score somewhere else.

Let me start by saying that this account is new. Since the opening of this account, all payments have been made prior to due dates and paid in full. One payment was returned in the amount of $125.00 due to a processing issue on my bank's end. However, the payment cleared within a day of it being returned. Also, at the same time, a payment of $400.18 was made and cleared immediately. So, I checked my account and it reflects a current balance but the credit availability is $125.00 overdrawn.

First of all, they held funds from me to use. They stated to me it’s company policy to do that when payment is late. I explained to them on 12/13 that I mailed in the payment on 12/6! They held payments to charge late fees to the account. Applied Bank is a scam bank or better yet ** bank! It’s a secured bank! Meaning, I secure funds. They stopped the usage of my card without being overdrawn, then add fees to close my account. My payment to my knowledge has never been late. It was due on the 12/10. Then I explained to the company that the weather could have played a factor. So I took a loss and closed the account ASAP.

I opened a secured credit card account with Applied Bank Card around September 2009. At that time I was told after 6 months to 1 year, the account would be upgraded to an unsecured credit card.

I opened an account and funds were transferred from my bank account to Applied Bank to establish a security account for the credit line. For weeks I never received the credit card and I tried contacting Applied Bank by phone and e-mail. Customer Service is a joke and should be called customer disservice. The 3 e-mails I sent have yet to be answered.

Bank is a joke! I applied for one of their secure cards and gave them my checking account and routing number for payment, but decided to cancel my application thanks to the horrendous reviews I was reading about them online.

First, I want to say that I understand that Applied Bank is in the business of helping people with bad credit. I have had my account with them for about 4 years. I have always been a good customer and made my payments on time. (so much so that they have increased my credit limit multiple times). Last year in August (2009), my husband lost his job due to lay-off and department shutdown. Due to our situation, I suddenly found that my salary wasn't enough to keep us ahead. I called my 4 credit card companies (one of which was Applied) and requested some assistance in attempting to prevent falling too far behind.

In short, I have been an applied card customer since ~2005. My account was closed in June due to some life circumstances: I was working at sea in April so I had a late payment, my account was then ~$50 delinquent when I made my normal payment amount 3 days late in April. I was unaware of this. I had a qualifying exam for my PhD exam the first week of June and my wedding was June 19th. I had tried to make phone payments during this time (as I had not received a current statement) and could never reach them because they operate on east coast time and I live in California.

My card is canceled for over a year and they charge me $15 maintenance fee every month. We are trying to finish paying but if they keep charging us every month the $15 maintenance fee, how are we going to finish?

To my dismay, I have just realized that I have increased service fees that I never agreed to and an increased interest rate of 29.99%. I contacted the credit card company inquiring about when I was going to be informed with this information regarding the raises in fees and interest. They "claimed" that a letter had been sent stating that it would take effect after February 22, 2010. I have never received such a letter. I have never been late on a payment and I have always paid more than my minimum payment due. There was no "legal" or "legitimate" reasoning behind this increase on my account.

Applied Bank made changes to my account without sending me any written notice or even a phone call. All my other credit cards always send written notice of any changes to my credit card accounts. I thought by law they were required to send written notice of any changes 30 days prior to said changes being made?

On October 7, 2009, I received a letter from CBCS (the collection agency for Applied Bank). The letter states exactly, "Your past due account has been placed with this office for payment. We have been authorized to offer you a settlement on this account if you agree to pay 40% of the current balance as indicated above. To take advantage of this offer, please send payment to our office."

I must have lost my mind when I applied for and used an Applied Bank Credit Card. Between the interest-29% and the monthly fee of $16 dollars, I am paying almost 60% interests on a 600 dollar outstanding balance. I contacted them to ask for an interest and monthly fee deduction. They rudely turned me down and then sent me a letter telling me to contact a Credit Counseling Agency and that they would work with them! No thanks!

I had an account with this company in 2004 and requested it closed in 2005. My secured money ($500.00) was enough to cover charges of approximately $340.00. Applied bank acknowledged my request and would issue a refund. In 2009 while reviewing my credit report, the account was in collection for $1,157.00. NARS, collection agency, arranged a settlement of $575.00. I requested applied bank to submit a delete letter since I went above and beyond to meet them half-way on this account. I am continuously transferred to an out of country office and language is a continual barrier. Even after having the release letter from the collection agency for 60 days, applied bank still reported a balance due. If my original request was honored, I would not be in this situation with this company.

We have had a secured credit card with Applied Bank for a little over a year now. On March 10, we closed the account and asked that our deposit be returned to us. They told us it would take 30 days for our deposit to be returned, which we were not happy about but accepted and began the wait. When the 30 days was up, we called to see what was going on and if a check had been sent. We were told no, they could not send a check because we had closed our checking account that we had originally opened the account with and they needed verification that that account was closed from the bank. We have gotten that verification and faxed it to Applied Bank.

I had a credit card with this company limit of $500. I canceled the card after my purse was stolen and notified them that I did not have the card and did not make over a $100 worth of purchases, only to be told there was nothing they can do I am responsible for the then $347 amount spent. I did use $197 which I have no problem paying. All I wanted is for it to be corrected. I even had the insurance they recommended but they informed me it was not valid for my situation. Now my balance with them is at $1900 because of all the ridiculous fees they tack on for everything, processing fees, late fees, filing fees, over limit fees.

I sent my monthly Applied Bank Credit Card through my banks automatic bill payment system, as I do ever single month. I scheduled the payment to arrive at Applied Bank a day prior to the due date. My bank sent them a check for $991.42 (the total amount due). Applied Bank held the check for 3 days and then put a block on my card, charged me a late fee and put a hold on the funds (they received a bank check not a personal check) for 10 days. So they have my money plus charge me a ridiculous late fee for funds they have had in their possession since the original due date.

Starting in December 2009, with the new credit card statement, I now get charge a $15.00 monthly fee. I didn't receive any notice of this change. Don't understand how they can just change terms like that.

Without notice this credit card company now charges me a monthly maintenance fee of $15. I am told that this fee is to cover the bank charges when making payments; however, I am also charged a $6.95 charge with every payment I make online. Now, instead of paying $50 a year (annual fee) I am paying $180 a year for all the monthly maintenance fees and then I am paying $83.40 just in fees to be able to pay online.

I opened a secured credit card in the amount of $300.00 with Applied Bank in September 2009. I was issued a card in October 2009. I enjoyed using the card. But on December 31, 2009, my card was closed. According to the Customer Service, my account was closed for non-payment. I found this to be inaccurate.

Applied Bank has charged me excess fees for services and a late fee for a payment that I had already made, and it refused to make any adjustments to my account. I have made many calls to their service center to no avail. All I got was the runaround. I have asked to speak to a supervisor, only to be promised that one would return my call, which of course never happened. I feel that this company purposely manipulates customers' accounts in order to make money by charging excess fees.

I have informed this bank via phone/fax/letters, sending 2 pieces of discarded cards back to them, as I am not satisfied with the amount $32.00 debted in spite of sending payment on time. This was done in the first week of February 2010 when they kindly credited my $13.00 plus wrongly debited $32.00. Total amounts to $45.00, and closed my account.

This is the complaint that I filed with the Delaware Commissioner of charted banks: I would like to make a formal complaint against one of the banks chartered in Delaware. On February 26, 2010 I submitted an application for a secured credit card and authorized a $500 debit from my Bank of America checking account. This debit was processed on my bank account on that date. After making several telephone calls to Applied Bank to check on the status of my application, I was repeatedly given vague time frame answers-- it was what customer service representatives give customers when they are too lazy or not well trained.

Applied Bank is a big scam. I only did business with them for there months and have to cancel my card. I have been waiting for my deposit back for two months. Every time I call, I would get the runaround. It seem like there's nothing I can do. It's all up to them and that's the sad part. They are quick to take the money, but slow to return it! I may never get my money back.

I have never dealt with a company as bad as Applied Bank. They have very poor customer service. I have had this card for three plus years and I have lousy customer service for those three years. I recently put in a few disputes with the BBB, Better Business Bureau. They started taking money out of my bank account without my authorization. I called and asked them why they started doing this and they said that they had authorization from me. I asked them to prove it as I never authorized these transactions and they said that it would take a week to get the taped phone call from India. I waited three weeks and they sent me a letter stating that it was confirmed and that I authorized the transactions.

I, too, have been getting phone calls after another from people over in India. I have had my card for over 9 years. One day I started getting all types of charges over the limited fees and late charges. I had a balance that was $1000.00 that went to over $2000.00. I tried paying the balance, but it seems every month it gets bigger. Just last month, I paid them $256.00. They tried to tell me that the check didn't go through.

Applied bank was authorized to debit my credit card for amount of $25 instead they took $251.95 without my approval plus late fees. I am very upset. I am going to my bank to protest the charges. Several check have come back because of overdrawn. My SSI is only $600 per month. They did me in.

I was charged a monthly maintenance fee on 1/1/10 as per the new terms and conditions. However, the new terms and conditions do not state that an over the limit fee will be charged if the monthly maintenance fee causes a balance to go over the limit. When I was charged, my account went over the limit by $1.50. My billing cycle closes on 1/13/10. By then, I had made a payment which lowered my balance (including the monthly fee) well under my limit.

I went online to pay my bill and noticed a monthly maintenance charge of $15. I looked back at previous statement and found it started three months ago. I never received any correspondence about this happening. It is not right to try and stick it to you every month. I would like to get my extra money back but not sure how. Is it legal to charge without letting you know there is extra monthly maintenance fees?

I talked to Patricia and she gave me a buyout option that I took. Two months later, the check was cleared and I have been turned over to a collection agency. I do not have any more money to give to them. I thought this was taken care of. Very, very upset and distraught. What do I do? I can't afford a lawyer. Please help.

I paid $2100 electronically to Applied Bank in error. Although the account (Robert **) now has a credit balance on it - Applied Bank will not let him use the card nor have them refunded my money. I have dealt with them several times. After they received the payment of $2100 on an account that was paid in full at the time - they put a hold on the account. They never bothered to contact Robert as to why. When he used his card, he was declined. Sandra's supervisor told me that I could take a cash advance to get my $2100 and pay the penalties and finance charges and take it as a "lesson learned". I was told I would have my money in 3-5 business days and the manager would "expedite it," the same guy that thinks I should be punished!

When I was told I would now pay $14.00 per month to have their card, I called and canceled. I paid the balance due and was hit with two monthly fees, plus what they call interest on this fee. I called again and good luck trying to get to customer service! Because I could not get through, it has now cost me another $20.00 in interest. So I paid all fees and interest to close this account with a company that needs to be looked at by our consumer affairs. This company is charging outrageous fees. Will you help us customers?

I am writing this letter to inform your company of the information that I am preparing for the Indiana attorney general's office. In short, your collectors have been in serious violation of the Federal Fair Debt Collection Practices Act of 1993 (hereafter FDCPA). By the way, I am an experienced collector and know this law inside and out. I had a card with Applied Bank. My life partner had a heart attack and I had to pay medical bills for him and got behind. Not proud of it, but it happened. My balance was then $350. After three months of being behind and due to excessive charges by the bank, it was in excess of $500. It was then that I received the bank's letters coded R31 and R51.

I had a secured credit card in the amount of $500 with this bank. In October 2009 I closed the account. At the time the account was closed there was a balance of $508.00. The savings account in the amount of $500, which was used to secure the credit card, was applied to the balance of $508, which left a balance of $8 or so I thought. I got a statement in the mail with $15.10 for Avis Rent A Car for charges which occurred 5 months earlier, then Applied Bank added a $32 late charge, $32 over the limit charge (after the account was closed) and then they charged me $50 for renewing the credit card (after the account was closed) and then they added a $32 charge for me disputing the unknown Avis charge, then they added another $32 over the limit fee after the account was closed and there was no limit. Now the balance went from $8 to $170 simply by closing the account!

I applied for the card in 2004, paid on time and even paid the account in full over the years. In 2009 my husband was called to serve time in the military (Iraq). He is the sole provider for our family due to my disability. I called in May 2009 to request my husband to be added to be an authorized card user and asked if the company honors the statuary rate of 6%. The rep said the company honors the rate and that she was sending out the form for him to be added. They will change the rate from 30% to 6% and all I have to do is fax or mail the documents with a copy of orders showing his deployment date. So I did what I was told, called back again because I haven't heard anything.

Ever since I received my Applied credit card I knew that this company was a little off. I have held this card for several years and have never been able to take advantage of my "insurance" that I pay for every month of pennies on the dollar of my balance. This "insurance" is supposed to protect you during times of unemployment or if you fall sick. From my understanding, they will take over your payments if you ever lose your job or if you cannot afford to make payments.

I have received 11 calls from this company in 3 days calling for someone else. I have called them three separate times, and also informed two people calling that they have the wrong number. I still continue to get phone calls from them asking for someone else. It is simply very annoying and aggravating that I keep continually getting phone calls when I've already informed them five times that they have the wrong number.

Following is just a glimpse of the experience that I continue to go through with Applied Bank. Like many consumers that have posted on this forum and others like it, I was promised this card within two weeks of my cash deposit transfer to Applied Bank. Over 45 days later, I finally got a card.

I cannot get them to work with me. I paid them, and they didn't register payments and charged me a over-the-limit fee. That set me in a tail spin, and I can't pay. Now, it is over a thousand, and I can't afford to pay it. I requested several months ago to stop the card, and I would pay it off. They refused unless I pay it all off at once which I can't afford to do. They will still charge me for it like it was active if I shut it down and every month on top of over-the-limit fees and late fees. They are charging me about $25 in account maintenance fees. I am further in debt, and I cannot escape it. And they want to work with me.

I have never done business with Applied Bank, and have never had any sort of delinquent account anywhere, but this has not stopped their Collections Department from constantly harassing me. Apparently, a cell phone number that I have been using for years has been connected with numerous delinquent accounts in their Collections database. I get up to 6 or 7 calls a day asking to speak to a variety of different people whom I have never met. Each time, I've told them to that I do not know this person, and to remove my number from the record. Each time, they say it will be done within 48 hours but the calls continue. I've asked to speak to the supervisor and have asked to have my number purged from the database as I have no connection to the bank at all. Again, I am told that it will be done in 48 hours, which of course, I do not believe at this point.

I was out of town for the past three weeks and I paid my bill online. When I finally made it home, I was informed that my annual fee of $35 is now a monthly service fee of $15 ($180 annually). This is almost 20 percent of my credit limit. When I called customer service, they informed me that it was too late to reject these fees. I would never agree to such terms and would strongly recommend not using Applied Card Bank.

This account was charged off. After that, I paid the balance in full, and even overpaid by $449.17. We realized in May 2009 that we were still paying that we had overpaid. I contacted Applied Card Bank and was told that they would process a refund. It would take 6 weeks to process. Okay, so July 2009, I contacted them to ask where our refund was. Well, they aren't sure what happened, and yes, we have overpaid and are owed the money. You need to write a letter and fax it to the Monetary Controls to get anything done.

My Applied Card Bank Visa Card was paid in full and has been for approximately 4 or 5 months. Last June, I paid the annual fee of $70 (to which they automatically add some sort of cash advance fee). Yesterday, August 18, I received a letter dated August 7 that Applied Card Bank is now dropping the $70 annual fee from their contract with me and replacing it with a $15 per month monthly maintenance fee. They further stated that if I choose not to accept these new fees, I can cancel my account by sending them a letter to a PO Box. Nowhere in the letter to me did they offer to refund any portion of the fee that I paid to Applied Card Bank in good faith just two months ago.

I just received a notice that Applied Bank will not be charging me an annual fee any more. Instead, they are going to charge my account $15 fee every month starting in September and they raised my interest rate to 29.99%. I have been a customer for several years and have always made more than the minimum payment and in some months, paid the whole amount. I can't get any satisfaction from Applied because their call center is in a foreign country which makes it impossible to get anywhere.

I was approved for a card by this company and was making payments without a problem until I was medically injured by a doctor. In November 2008, I accepted to a payment plan of $50.00 a month for six months and there would be no finance or late payments on my account. Well, all of a sudden, the amount started going up instead of down. I had called in to move my February payment to make two payments in March because I was diagnosed with breast tumors. They told me it was not a problem to move it and it would not affect my payments.

I haven't even started business with them yet and they have already been very rude. I haven't gotten the small deposit into my account yet and I was guessing that there must be a problem, so I called to see what the next step should be. I got this total ** on the phone who sounded aggravated that I was even asking my question. I applied for the card on 7/31/2009 and I'm pretty sure that I should've gotten the deposit by now. But since they won't help me get past that point, I will take my business someplace else. Losers.

I signed up for a secured credit card with a very small limit of $200. I eventually got behind on payments and was assessed late and over-the-limit fees. Fair enough. Then, I called to make a payment of $320 to zero out my account and re-enable my card. Recently, I tried to use the card, and credit was denied. Their website says that I still owe $233. There are no charges on my statement to justify a payment due of that amount.

I was paying them $48.00 per month and was not late with any payment. Then starting in May, they put my payment up to $123.00 per month. I asked them why my payment went up and they could not give me an answer other than you have to pay the new amount. I told them I could not pay this amount because my wife and I are both disabled. He told me "too bad". I told him, "Go to hell," and "I won't pay," and I haven't and I will not pay.

I applied for a secured credit card on or about 7/13/09. I cancelled the application on 7/16/09. During the application process, I gave them my checking account number and routing number. On their website, it says the application process would not continue unless I verified a small amount (.04 cents, in my case). They went ahead and withdrew the $700 from my account that I was going to secure the credit card with before my verifying of my checking account. Now they say I won't receive a refund for 30 days. I have called the bank several times and they flat out stated this is how long the process takes, even though I have cancelled the application. Also, nowhere does it state this in their terms and conditions that it takes any refunds this long to process.

I am being called by these people on an everyday basis and it is not nice that they call me at work and home. They sound like Indian people and I don't owe these people any money. My credit cards were paid off many years ago and I have never had a credit card since 1998. They said they were going to make my credit report look bad. When I asked them on the phone what did I purchase on the credit card, they could not tell me. And when I get a statement in the mail, it doesn’t tell me what I owe money for or what I purchased on this so-called credit card.

I had told them I would pay them the same amount of money each month. They keep calling us 2-3 times a month and then either my wife or myself has to go over the same routine every time. Plus, these people who call are not even American, so that sometimes they cannot understand me & I cannot understand them. This time, they wanted to tell me that they would take money out of my bank account automatically & I said, "No, I will send you a check like usual." By the way I am on SSDI. This is almost like harassment. It can really upset my wife & myself. I have never had anyone call me 3 times within 3 weeks before, like they do. Please check out their program or whatever & tell them to clean up their act.

I waited two weeks after receiving their authorized online offer to receive the secured credit card. One day after I had used Money Gram Express to wire funds to this company, there was a problem. Of course, I didn't find this out until after calling three days after the initial transaction to verify receipt of the Money Gram. There was never an account created. The number that was given was not even a number of any account, and it is not a credit card number. It is only a reference number used to match up the incoming funds with a request. Even though you may have been approved for an account, an account is never created (at least for the majority).

They have the incorrect phone in their database for a customer. I keep getting calls asking for another person. Each time I tell them to fix the database that they call the wrong person. Still they keep calling me. I don't even have an account with the bank either. Add to that the no call list I am on now and the fact they woke me up this morning.

I was making monthly payments of $35.00 to Applied Bank every month on the 30th. For the month of November 2008, I called Applied Bank to make a phone payment before my due date. I also asked them not to take the money out of my account because the funds weren't available. I was told that there would be no need to withdraw the funds because I was making that payment on the phone. I was also told that I was removed from the program that allowed them to withdraw money from my account.

I was making monthly payments of $35.00 to Applied Bank every month on the 30th. For the month of November 2008, I called Applied Bank to make a phone payment before my due date, also asking them not to take the money out of my account because the funds weren't available. I was told that there would be no need to withdraw the funds because I was making that payment on the phone. I was also told that I was removed from the program that allowed them to withdraw money from my account. Just to be sure I called back about an hour after that conversation and spoke with a different representative. I asked them if they received my payment and I also confirmed that they will not be taking money out of my account. I was told at this time that my payment was successful and that they had no intentions on taking any money out of my account.

This bank is a scam. I applied for a secured credit card on June 1, 2009 and was informed via the internet that I would either receive a notice, or the card in 5-7 business days and an approval/denial email would be available immediately.

To begin with, this credit card is the only one that does not have a toll free number. It cost you a long distance fee to call them. On May 23, I had my wallet stolen in which I called all credit card companies and cancelled them to include applied card. Because my banking information was compromised, the bank issued me a new account number. Everything would automatically transfer over for the first 60 days from the old # to the new #, to which is key because I had already set up auto drafts for my credit card payments. Every CC auto draft came out except for Applied. I looked online and I had been accessed a $30 return check fee, $35.00 late fee, which cause it to have an over limit of $35.00, but they also charged me the $6.95 to make a payment on-line. My bank shows no attempt from Applied to process my payment. (I got the letter from the bank) I called the so very rude customer service and they will not accept disputes over the phone. Everything has to be in writing. No one will make this right!

Applied Bank has been calling for 4 years for someone that has not had this number. I finally got a number out of one those idiots. I told them for the past 4 years to remove my number. So today after I cursed them out for the hundredth time, I call them back. They claim it takes 48 hours to remove the number. Wrong, because they are still calling. I will report them for harassment at the BBB and other authorities. Enough is enough. I do know that they are outsourcing to India. They use American names (saw it on a documentary last month).

Every day, 9 to 12 times a day, this place calls and says, "Miss Surri? Hello, Miss Surri," then hangs up. There is no such person here, just two people who are not in the best of health.

I had opened a secured credit card through Applied Bank in December of 2008 and provided the necessary $300 for the available credit. I never used the card. Applied Bank had direct access to my personal bank checking account information and in February of 2009, my checking account was compromised with fraudulent charges. To make this long story short, I felt that it was compromised through Applied Bank for numerous reasons. I immediately cancelled my Applied Bank credit card and had to cancel my checking account and re-open another checking account with my bank. I have left several messages for Applied Bank to reimburse me the $300.

I've had repeated robo-calls to my phone which is on the National Do Not Call registry. I have never done business with nor contacted this company. The message states it is about my account with Applied Bank, which is a falsehood, as I have no account with them.

I made a payment on 4/16/09, to bring my account below the credit limit. I received an email on 5/13/09, telling me my account was past due with the usual fees. However, I have not even received a statement for May yet. My billing cycle closes on the 9th of every month, so how can I be past due four days later?

I have applied for a secured credit card and had $1,000 withdrawn from my account to deposit with Applied Bank. It has been over 5 weeks since they received that deposit and I still have not been issued the card. I am certain they used that money and invested it even if for a small gain. I attempted to call them numerous times and either get an answering machine or someone who speaks broken English.

Here is the long and short of it. I have never been late with Applied Bank. I was sick for about 9 weeks starting in February and I called Applied Bank to let them know I would be late by about 3 days. They refused extra time. I checked my account online and found, before my payment was due, they applied their fees, that took me over my limit and then they charged me an over the limit fee. I called them to pay the bill and asked to have those charges removed. Seven calls and all I got was the Philippines. They refused to transfer me to the US.

After seeing about 20 calls a day on our caller ID, I decided to answer this "caller unknown"! It was NARS collection agency. They said I supposedly had an Applied Bank card, which they said was Cross Country Bank from 2001 and that I owed $1,600 too! I said I never had such a card. Their reply was, "Yes, you did and we want to know how you plan on resolving this situation?" Again I said, "No, I did not have this credit card that you are speaking of." His reply to that was, "We have your social security number, name and address so this is your debt." I asked for proof - a statement from the credit card company and what items were charged on the card, address of the credit card company and phone number. He said he could not give me any of that information!

I signed up for an Applied Bank secured credit card because some places won't accept debit cards, for example, car rental agencies. I used my Applied Bank card to put a deposit down on the car, which I paid for with my ATM card upon my return. Hertz immediately took the "authorization for funds" off my car, and the money should have been returned to my account. Apparently, no one told Applied Bank that they have to act like a credit card company. I explained to the customer service representative, then her supervisor, then his supervisor, who all explained that none of them have access to my account, and that I'd have to wait 14 days for my money to come back into my account.

I was trying to pay off a credit card. I started a new payment plan with the company Applied Bank card. One of their reps who was just trying to get money told me that if wanted to, I could make my payment ahead of time; that way I would not be late on any payments. I told the lady that I would make a payment over the phone for the month of November. I made another payment in November for the month of December and then, at the end of December, I received a phone call saying you have not made a payment for December. Since I made the payment online, I thought maybe the payment did not go through.

My pay went down. I got the card with $400. Now, it's $2,272.21. I'll pay the $400 but not $2,272.21. They called my job. I want it taken off my credit report.

I have asked several times for them to send me a letter and signature card to prove that this was my debt. I do not have an account with these people and they have been reporting this to Experian for seven years, from March of 2002 until present ... I would like this item removed at once and paid for this because it is messing with my score.

I receive 7 calls from Applied Bank every day. They never say anything when they call if I answer or leave a blank message. Ten minutes ago, I spoke to one of their pathetic agents. He wouldn't tell me his name or why he was calling and said he needed Nancy. I googled the number, 866-873-8592, and it belong to Applied Bank. I attempted to send them an email through their website, but they don't accept emails. I hate them! Would somebody please stop them?!

I have been getting phone calls from them for the past 8 months. I have been waiting on them to send me something to the tune of a settlement offer, but they have sent me nothing. Today, I get a phone call stating that they have sent me things in the mail, none of which I have received. And they will not stop calling me. I refuse to answer any phone call unless it states clearly that it is about my debt, not some confidential matter. I know that I owe them and I want to settle up, but I can't if they don't tell me what they want from me. If they read this, they need to state clearly their business on my voicemail. I don't want some confidential matter. I want something straight up. I have one other credit card and I am settling up with them now. So if you want to see any money from me, actually send something in the mail. I don't want any horsing around.

It's the same as everyone else. They charged overlimit fees because they add their maintenance fee and finance charge to previous balance before deducting monthly payment. I checked the account on the internet on 4/8/09. In the morning, the balance was $1103.53 with $35 overlimit fee because the credit limit is $1100. I checked again the same day and my balance was $1117.47 because they added the maintenance fee of $10.95 for May, I think. I called and spent 45 minutes on the phone to very rude people. I sent letter via fax the next day and then got on this website and read all the complaints. There has to be some way the government can step in and get this to stop. The bank is a big rip off and will continue cheating us. We need to stick together and keep harassing them as they do us. They referred to me by my last name, not addressing me as Mr. which I thought was very rude and not very professional. Good luck to all and let's get them.

I have been trying to speak with someone regarding charges that are being added to my account. For 3 months, I have been trying to get someone to discuss these charges with me. All they say is write or fax. I've done both and faxed again today. In the meantime, these fees are adding every month. I told them since Nov. that I will bring the account current if they work with me. In Dec. 2007, my husband lost his ability to work and we are at bare min. with our finances.

These guys are the worst! I fell upon hard times (my landlord died) and I had to move so I fell behind with my payments by several months. I then received a letter (Form C353) which stated that if I paid the amount due of $322, they would reinstate my ability to use my credit card again and remove any derogatory ratings on my credit report. I borrowed the money and called them which was two days after Christmas and made the payment. I confirmed their promise with the rep that I spoke with and she stated that the letter was, in fact, accurate and she would document this by referencing the Form C353 letter, stating she could see that the letter was sent.

I have had an account with Applied Bank for some time. I have always made my payments on time. On Labor Day 2008, Hurricane Gustav hit my area. Everything was shut down. We were without power for over a week. My payment was due on the 3rd of September, but because of the storm, I was unable to make it. When I signed on to make my payment, they had already charged me a late fee. I called and explained the situation, but they would not reverse the fee. The matter still has not been resolved and they continue to add late fees even though I continue to make my usual payments. They add each late fee to my minimum payment due. They have reported me to the credit bureaus as being late. They call my house all through the day and night, even though I requested verbally and in writing for them to not do so. I also requested they cancel the card. They have put a hold on it, but continue to add these ridiculous fees. They even called my house on Christmas Day and New Year's Day. They have no respect or scruples.

I had a credit card from Applied Bank but due to the continuous amount of fees that they added to my balance, I was unable to keep up with the payments. Their unfair marketing and collection practices have subjected myself, family members, and my employer to continuous calls from Applied Bank and Capital Management. Calls have persisted 7 days a week from 7:00 am to well past 9:00 pm.

I have a payment due on the 6th of the month every month. Every month I set up recurring payments to be deducted from my account on the 30th of the month to always pay early. This company charges me $6.95 fee for paying online/then 10.95 monthly maintenance fee and an outrageous annual fee. But to top that off they charge me $35 late fee and over limit fee of $35 after that because they say I didn't pay on the due date. Never have I ever paid early with any credit card agency and had them charge me fees for this saying I'm not paying my bill on time and slamming me with 2 more charges for it even when I have ALWAYS paid more than the minimum due. There is no way to pay this card down from all the fees we incur monthly for paying online and for whatever this maintenance fee of 10.95 a month is for.

I have had problems with this card since the very beginning. Financial issues is the only reason I accepted this card even though the red flag ($500 limit, $300 + fee taken off first month just to get this card) should have been enough warning. I have never been able to keep up with monthly charges, almost like they are deliberately trying to get you to go over your limit so they can make outrageous charges. I used this card the FIRST MONTH I got it, nowhere near charging even close to what I understood would be what was left on the card after their first huge fee.

Usury and predatory fees, $10.95 monthly maintenance fee, $6.95 online payment fees, $32 over limit fee(I was 30 cents over). Never used the card that month. Paid $68 (amount on my bill) and had $49 worth of fees. The worst part, if paying the amount requested the cycle never ends. CSR Jim and Lindsay manager say bank needs a written request to rescind overlimit fee. Never been late in paying, canceled this card. Also, forwarding to Delaware FTC, AG and else who can help expose these rip off/con artists.

I called Card Bank because it seemed I was always getting unexplained fees. I told them I was having a hard time and did they have options for me. The manager offered me a hardship program if I paid $54. I gave them this and they put me on the program. A week later I was charged $70 in fees then they told me I was not on the program because it was not approved by a manager!!!! I called several times now I am at the point of not paying them which is going to adversely affect my credit, but what they use when they charge me all these fees. Then I asked to close the card and they tell me they will charge the monthly fee any way which I don't even think is legal! They are rude and unhelpful. I had not paid them late, BUT THEY TELL ME I CAN WRITE A LETTER DISPUTING THE CHARGES.

I made an agreement to pay a minimum of $73.00 per month. I have kept this agreement and have been paying more than the $73.00 and paying early. Now Applied Bank has charged me for a late payment twice and I can not resolve this. I have not missed a payment. Applied Bank also mentions they will reduce my interest rate, but they have not reduce it yet.

I have had Applied Bank continue on a daily basis to contact me about a past due account. I have in fact spoken to them in regards to this account now on several different times that I have accepted a payment arrangement from their company and have continued it now for several months. Those payments have been on time and not late. I have asked them several times to stop calling my house or I was making a harassment charge against the company. Now I have turned this company in now several different times for harassing phones that don't need to be made and have explained several times that I have accepted a payment arrangement and have sent those payments in on time every month since but they continue to call me. I was just told this evening, 10-11-08, that they would continue to be calling me on a daily basis until this account is paid in full. This was the worst mistake I have ever made in regards to this card. People beware if you need to re-establish or establish credit. DO NOT EVER go with a credit card from Applied Bank. EVER!!!!

I have had Applied Bank continue on a daily basis to contact me about a past due account. I have in fact spoken to them in regards to this account now on several different times that I have accepted a payment arrangement from their company and have continued it now for several months. Those payments have been on time and not late. I have asked them several times to stop calling my house or I was making a harassment charge against the company.

This business calls me 5 times a day trying to get me to accept their credit card. I have NO interest in it at all. I work various hours and have told them over and over to take me off their call list. Repeatedly they agree, and waaalaa...another phone call. The aggravation of this is going to force me to change my phone number even though I have elderly parents and other family members that rely on getting a hold of me. Also, my job demands I be available by phone at all times so turning off the phone is not a option. Why should I have the expense of changing my phone number!!

I got this card to help my credit, but i lost my job in june and i have protection on my card in case i lost my job or got hurt,i sent off the paper work and they are still charging me late fees and over the limit fees i have had this card for year and have spent a fortune in fees my card had a 850 limit and now it is up to 1300.00 in fees and i have not used this card in about 10 months.

I got this card to help my credit, but i lost my job in june and i have protection on my card in case i lost my job or got hurt, i sent off the paper work and they are still charging me late fees and over the limit fees i have had this card for year and have spent a fortune in fees

I called Applied Bank two weeks ago to set up a settle for this account. I was giving the number to NCO Financial Systems Inc. The representative stated this account can not be settling. I just received a notice of garnishment from the office. This garnishment is for $1379.34. The card credit line was for $500.00.

I cant begin to tell you how much extra charges I have paid them and Ive always paid on time. I pay though my banks bill pay which get transferred to them automatically and my bank has records to prove it. There not going to mess with Wells Fargo because their go after them their self. I have them paid down and not going to be a victim anymore. I going to have my lawyer contact them an file my last payment and close the account. Paying my lawyer to do it is worth the money.

Paid off card and cancelled it in April, May I recieved a bill for a monthly maintenenance fee , Paid & Cancelled, June recieved a bill for a monthly maintenenance fee , Paid & Cancelled, July recieved a bill for a monthly maintenenance fee , Paid & Cancelled, Auguest recieved a bill for a monthly maintenenance fee , Paid & Cancelled, September recieved a bill for a monthly maintenenance fee and late fee THE SAGA CONTINUES. What do I have to do to get rid of this card?

Accepting the Applied Card was the worst financial decision I have ever made. The company has cheated me from the very beginning. I have been paid over limit and late fees more times than I care to admit. Although a few of the charges were valid, most were not. I have even been double charged for the service fee when I used the on-line payment option. I have tried to contact them to dispute the charges more than once, but have had an exceptionally hard time getting a real person on the line. Instead, I find a recorded message that just keeps going in circles. I finnally called threi technical support and was able to talk to someone.

I applied for and was given a secured Visa card by Applied Bank. I opened the account with $300 cash deposit and was billed for an application fee and interest on that fee. I sent the payment for the application and interest fees in about 2 weeks before it was due. I also sent an extra $250 in to bring my available Secured balance to $500, because I was going on a cruise and needed a charge card on the ship. I activated the card before leaving home for the cruise.

i applied for the card they sent it, i used it with them charging me a 150.00 fee. after a while of making payment they raised my limit for a 250.00 increase they charged a 100.00 fee. this was outragous. then i got charged for things that were not my charges i filled out the form i faxed it i called and tried to reason with them over the charges. i continued to pay the monthly payment then i got over limit fees and late fees charged to me. i never went over the limit and they refused to do anything about the eronious charges.

I got this credit card like two years ago. Paid on it for a while then honestly forgot about it with other bills and such. I got a certified letter in the mail sent to the wrong address never received any bills from them then I get this letter saying I am being sued for the amount. The credit limit on this card was only 500 dollars and I am being sued for 1150 dollars.

My payments are due on the 26th of each month and are $35.00. I have posted payment starting in April on the 22, May 25, June 15, July 3 and Aug 3. I go online to pay on Sept and find I am charged late fees and the total of $102.00. I pay $35.00 and call customer services. The say pay $102.00 now and $35.00 on the 26th. I tell them my payment is not due until the 26th and there is no lateness. The tell me to down load a merchant dispute form and fill it out and fax it. I am in the process of doing this now. They charge more extra fees than any company I know. It seems totally unfair. They charge a maintance fee of $10.95 each month and $6.95 for an online payment fee. What is all this.

We have been harassed by Applied Bank, they call eveyday looking for a payment. They put us on a repayment plan to start in June of 2008 in the amount of $35.00 per month, they said after we made 3 payments of $35.00 our account would be brought current and they would report to the credit reporting companies as if we were never late. This was there re-age program. I asked for the terms in writing and they said they do not have anyting that I could take there word for this.

I have repeatedly told them that they have the wrong number for a customer they are trying to collect a debt from. They have continued to call anyway. It has started to become harassment.