As I am trying to build "credibility", I applied for this credit card. I even agreed to the fine print, you know all the ridiculous fees. Cool. I make my first payment as soon as I receive the card in the mail by phone and also paid ridiculous transfer fee. Cool. I use the card for trivial things. Fast foods, candy you know children things. Cool. I received my bill online to make insuing payment on time as you should already know I am within my grace period. Here's where it starts to get tricky.
After a pay my bill online I give customer service a call to make sure the transaction went through, I spoke to 4 different people to have this matter confirmed until I was assured it was. They do not give confirmation numbers and no one has a last name or extension. Cool. I'm online five days later and I see the payment that was posted was returned the same day. I personally dont think that's possible since a real live person said that it had posted. The online bill had dates that were not in order. Do realize there are plenty of funds available.
Now, I'm tripping out. At this point I call, try to figure out why this happened. They say they have no payment in their system and that I need to call my bank. Ok, I give my banking institution a call. They say they have not received such a transaction. Who do you think I believe. My bank? Continental Finance? Ok. Well I'm going to give them the benefit of the doubt it could just be human and/or electrical error. I say I'm gonna see where this gets me.
So I'm coming up on my second bill and I decide I'll go ahead and pay for this little indiscretion. You know the over the limit fee and cost of payment. I decide to pay the bill including all fees and bring the bill current as it is already current since I paid my first bill before the due date. I'm online again. Guess what, there's another fee. This time it is because I'm going to incur another charge because I'm over the limit and we've entered into another cycle. The bill isnt due by mail but online I have incurred another fee. Getting real tricky. So this means I have another over the limit fee and have yet to pay my second bill. These charges total over $100 in less than 2 months.
I call, spoke to a young lady her name is weird (my opinion) but I wrote it down. For some reason I sensed she understood my plight. (None of my conversations to Continental Finance are short nor is customer service "customer service"). All she could say was I understand and that there was nothing she could do, so she relieved herself, put me on hold for sometime and here comes Ron. He really broke it down for me. He knows his stuff. He was correct on all the technicalities in my post, he was even very clever and cynical. Until I asked him to close my account and he said he would with no confimation of anything and basically told me to go hell, he realized that I realized I truly know Continental Finances practices and they are truly fraudulent. They purposely post payments late or in my case not at all which causes them to run up fees and ruin all three credit reporting files. Yes they are for less than perfect credit but does that make it right to try to rip people off who are trying to earn more than financial "credibility".
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