I just coming out of High School and had no prior knowledge of credit or how it works all I knew was that it was important or would be in the future. Anyways, I was browsing the web and looking to get my first credit card. I don't kwow how I fell on Clout visa but I did and within a few days I received a credit card with a $600 credit limit and I just gotten my first job and was excited. So to be truthful, I went over the limit and my spending was out of control but I was only a dollar over the limit and had not realized and with with over the limit charges, my bill cam to $660 and that's when the harassment started. Clout visa kept calling my phone asking me to pay of course I had no problem with that I agree to pay 100 dollar so I could get within my limit and I will start paying the minimun payment because I was making that much. To my surprise, the next bill came even higher because they added to over the limit charges and then access the 100 dollars to my payment. When I call trying to get them to help me and asked what had happened they were unwilling to help and would not revised my case in any case the over limit kept getting higher and higher and now the bill is $1600 dollars!!! I gave up I tried to pay but the settlement that they offer is so high is not even worth it.
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