I am a totally disabled senior and I needed a credit card for booking airline flights and car rentals for visits to my children. I have a debit card, but sometimes had difficulty using it for that purpose. I had applied on line and when the Platinum Advantage representative contacted me by phone I assumed it was in reference to my application. They indicated there would be a $200.00 fee but that it would be reimbursed in place of my first payment. They explained it was 9.8 percent interest on the unpaid balance, which I thought was reasonable and agreed to allow them to withdraw the $200.00 from my checking account. I didn't hear from them for quite awhile after the funds were withdrawn from my account, so I called them to inquire when I would receive my card. It was then they began to explain to me what the card actually was... A merchandise card to reestablish my credit. I explained to them that I was seriously ill and not interested in improving my credit, that I had been led to believe I would be receiving a credit card. I told them to cancel my account and return my $200.00. The rep with whom I talked, told me my case would have to go before a refund review board and that it would be thirty days before the decision would be made. I have now received my letter informing me that my refund was denied, but that I could reopen my account and use the free payment coupons toward any purchase of their merchandise.
I have no use for any of their cheap merchandise, nor do I need to reestablish my credit. I doubt that I shall live long enough to do so even if I needed too.
I realize that it is doubtful if I ever recoup my money. But, I wish to at least file this report to perhaps prevent anyone else from falling into the same trap.
I would be willing to answer any questions or join any class action suit against these characters.
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