Household Bank, dba Household Credit Services, have some unfair business practices. I know I'm not the first to notice it, nor will I be the last.
I was in the hopstial last month for a week and while I was having surgery, I obviously missed a payment. I am not an unreasonable person, I understand that they would access my late fee. This late fee put me over my limit and, on top of the late fee, they then tacked on an over-the-limit fee. Thanks to all of these unfair and unjust fees, I am now about $150 over my credit limit.
To make matters worse, a year and a half ago I chose to protect my account with their so-called "Secure Plus" program, which they claim takes care of my account in the event of unvoluntary hospital admittance or loss of job. I had my Doctor fill out a claim form, which I've sent in. They have not yet received the information, so they refuse to freeze my account until they do. Every Household Bank employee I've spoken with tells me that they will not waive these fees, even after they receive the claim. They only freeze it "after the fact", although all of these fees were tacked on while I was in the hospital.
What is the point of having protection on your account that doesn't kick in when you need it, or that the company refuses to remove fees for the very time you need to file the claim in the first place? I think that Household Bank runs an unfair business, unfairly adds on fees and then refuses to help. Once I pay this account off I cutting the card up IMMEDIATELY.
To anyone who has ever dealt with Household Bank, I'm sure you know what I'm talking about. If you haven't, I urge you NOT to open a credit account with them. They'll suck you dry.
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