I thought I signed up for a Providian Credit Card with Zero % on Balance Tranfers and New Purchases until june starting back in January. I didn't notice until my second bill that I was getting charged (9.24% on my balance transfer).
I called and spoke to a gentleman with broken English (I won't even go there) and he explained that the charge was a one time charge on the bill. I told him I signed up on the internet and my account was to be Zero % across the board. He checked with someone and he agreed and at that time I asked him to check last month. He did and found a charge on there as well. My question then was if it was a one time charge why is there a charge back then too. He could not answer that and agreed to take off the added interest as well. I got the usual response, 2/3 billing cycles before you see it.
Not once did he bring up that my account that I signed up for was not Zero %.
Fastforward to My statement for 4/17/06 this has a 9.74% not 9.24% finance charge on the Balance Transfer. I called and spoke to 2 supervisors who are now telling me that the other agent was wrong and should have informed me that I had not signed up for Zero % on Balance transfers. They gave me credit for the last time.
Folks I have never paid interest for 6 yrs on balance transfers and when I get an offer I read it pretty carefully before I jump. Unfortunately for me I didn't keep the promo letter I got in the mail with the Reservation Number on it which I used to sign up on the internet. It would be interesting to know if it happened to anyone else out there
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