I, like other people got this card to try and approve my credit. Big mistake. I admit I went over my credit limit. I had been out sick for a month and was unable to make the minimum payment one month. They called to tell me that I was behind. I thought I set up a payment arrangement with them. Until they're so called bill collectors kept calling me every 2-4 days to tell me I owed money. I got into a very heated discussion with them. I was informed that I had only 2 options; to pay the amount due now or to post date a payment. Well, I told them I didn't have the money now as payday isn't until later and that I don't post date anything. I was yelled at and demanded that I do one of the 2 payment options that they wanted me to do. Told them no. It was going to be my way or no way. She tried hanging up on me several times. Guess she didn't like that I was taking charge of the phone call. Had her speechless when I told her she was not going to hang up on me, that I wasn't through talking. Bill Collectors don't like it when you stand up to them and hold your ground. Was told that they don't deal with people like me. Meaning dead beats. Fine, whatever. I was willing to work with them, and keep their card, but no more. Got a call from them again today wanting payment. Told them I was cutting my card up and sending them a cease and desist letter. The person on the other end got very defensive and told me that it didn't matter if I cut the card up and cancelled that they'd still tack on late fees as long as I was over the credit limit. When I mentioned calling me every few days he got upset again and said they were going to call me all the time until I paid the bill. When I said to him, "so you admit that you're breaking the Fair Debt Collections Act by harassing me every other day." He said yes and that they would continue to do it and there was nothing I could do. Ha! Ha! Ha! Called customer service found out how much back I owe. Even then they were trying to charge me an extra $35 by tacking on the amount I'm going to owe on Nov. 6. Caught them there cause I was looking at my statement online. Was informed that if I pay off the back balance that I can call and cancel my card and then just pay them the $250 I owe in payments. Yeah, lets see how well that goes.
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