Oh God, where to begin! Avoid this company at 'ALL' cost. They deliberatly delay posting receits in order to charge customers Late Fees. They avoid sending monthly statements in a timely maner hoping to generate Late Fees.
They charge an ungodly interest rate with the promise that 'Timely payments can get you a reduction in interest and/or an increase in the credit limit. For example, on March 12, I received a 'Payment Is Past Due', 'Your Account Is Schelduled For Closure!' statement for a payment that was not even due until March 21rst! They send their statements from Arlington, Texas... The payments go to Manchester, New Hampshire... They claim their 'BANK' is in Tilton, New Hampshire...
In the time that I was a customer with 'The Company From Hell' I almost always paid many times the minimum amount and the few times that I did not receive credit for a larger than required payment was when my payments were not posted long after they should have been received. Even using the U.S. Mail system, it doesn't take more than seven days for a letter to go from South Florida to New Hampshire!
When you call and confront their 'Customer Relations' people with the number of complaints about them with 'consumer complaints', and other places on the internet, about their billing practices, they don't even deny it! AVOID THIS COMPANY AT 'ALL' COST!!!
Tom
Davie, Florida
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