I have been with Providian/Emerge since the late 1990's and while I have not had any problems with Providian I have been having nothing but trouble with Emerge.
For the first time since having this card I am late with my payment by two months. However at the end of May I will be caught back up and will be back on a regular payment schedule.
In April of this year I had to pay a high amount Federal taxes and felt it was best to take care of it first. I knew this would mean my other bills, including a second credit card company, would be late because to get caught back up everything had to be put off by one month.
My other creditors were fine with this because I sent to them what I could in April and when I could not I made the effort to double my payments to them during the month of May.
Emerge contacted me the other night asking why I was late. I told them the reason and said in a week and a half (which will be the end of May) I would be sending them the the two months payment and then be back on a regular payment schedule in June. The told me about the late fees and I said I understood but it could not be helped.
They have been calling ever since then to know when the payment is coming. I have sent them an email telling them the same thing I told the representative on the phone and I have also asked to stop calling because they are getting the payment.
The representatives are rude and I hate to say it because I normally am polite on the phone but I had to get rude back with the representative. They acted like they should be the person to be paid first regardless.
Once the card is paid off I am done with this company.
If you are thinking about getting a credit card stay away from Emerge.
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