I applied for a credit card over a year ago. Used it once and charged $30.00. The first bill came with a monthly fee of $10.95, $1.50 cash advance and $5.00 purchases in addition to my acutal $30.00 purchase.
I sent a check for my purchases along with a letter to CANCEL THE CARD!
The rest is history, they won't cancel the card and have a guy from India calling me at least 6 times a day demanding payment. He calls me at home starting at 8:00am and at work and then in the evening until 11:00pm.
He claims he can not help me with my dispute he can only take a payment by phone. When I asked for a supervisor, I held for 21 minutes to have the same guy get on. His name was Mohammad at first but when he came back as the supervisor his name was Moe. I just laughed and hung up after he admitted he was the same guy.
My account is up to about $450.00 now without me purchasing anything after my initial purchase. I read some great advice on usacomplaints.com to send letters to the 3 credit agencies I'm listed with so my credit is not harmed by Applied Bank and Moe. However, the phone calls may drive me nuts!
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