Citicards, Texas. I have had the extreme misfortune of getting involved with Citicards.
I applied for and received a Citicard MasterCard around October of last year, lured by the lie of 0% interest for a year and a moderately decent credit limit. I paid monthly and on time, but was one day late back in March. At that time, I was hit with 32% interest! For being one day late.
If that wasn't enough, I started getting the phone calls. They called me at home and at work, which I quickly put a stop to by informing them that they were not allowed to call me at my place of employment under my protection in the Fair Credit Act. They also called early in the mornings on the weekends, the works!
I scratched up the money to pay off Citicards. The last time they decided to call and harass me, I informed them by phone that I desired the account closed immediately. I thought I had paid them off in June.
But I was wrong.
I got an email today about a statement and decided to call to find out what in the world was happening. If my account is closed and I've paid off this card, then I shouldn't still get statements, right? Yeah, right.
Long story short, after being hung up on a couple of times by the computer and one of the representatives, I learned that the balance listed on my statement, the one I paid from, was incorrect. I owe Citi $150 more, including finance charges.
After all the hell I've gone through with them, I am going to pay the balance off. But because of the harassment and the insanity I've been through with them, I have decided to have a "plascetomy": get rid of all my credit cards and go straight cash.
I can live without the anger that comes with dealing with the so-called customer service representatives who man the phones of these credit card call centers. I also plan on writing to the Attorneys General of South Dakota, New York and Texas about Citicard's bait and switch techniques as well as the harassment I've experienced with them. Letters of complaint will also go to the Better Business Bureaus of each city and state.
Dealing with the people of Citicards in these past months has driven home something I've heard for many months now: "The borrower is slave to the lender."
I won't be a slave to them, or to any of these shyster credit card and lending companies, again.
0 comments