Ill make this short and simple. I applied for a Banana Republic Credit Card at the store after being coaxed into it. I never apply for store credit cards but I was attempting to establish credit to get a home loan. I tried to pay the card off like 2 weeks after I got it as not to get any APR charges or late fees. That is when I came to realize it was made very hard to make a payment to them over the phone of online. The charge you to pay over the phone, and make you sign up for an outside company to pay online.
I called the company to ask how I could simply pay my bill before I incurred any fees. The customer service rep insured me that I would be sent the bill in mid April and could then simple pay the bill by mail. I went to go get a home loan a week later and I was told that I needed to pay the bill to improve my credit. I then sucked it up and decided to pay it over the phone and get charged 10 dollars then would be put on next months bill (in attempt to lock me into the card and keep my account open). When I called they said that my bill was due tomorrow and I would incur a late fee.
Well this was march and I had never received the bill. I was lied to by the costumer rep and forced into a late fee. I then tried to pay over the phone and got charged 10 dollars. I however couldn't pay them that 10 over the phone so got locked into another monthly bill, which I wont be able to pay without a fee and will prolly never get sent a bill.
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