I will never use 5/3 again. I got two credit cards in Feb of 07 at no interest for a year in order to pay for a home addition. The total was 35,000. Our intention was to use the credit cards to pay the contractor, then have a year to get a home equity loan and pay off the cards so we wouldn't pay interest starting Feb 08. I always paid at least double the monthly payments on each card to stay ahead. I missed one month's payment by a few days on both cards. Figuring I paided more anyway over the past several months, I called the company to see if they'd refund the late fees. They refused to and the service rep was rude and indifferent. I emailed a complaint to them about the service and never heard back. I had considered them for a home equity loan but this incident detered me from that. I got a loan from another financial insitution.
Today I tried to pay one online. I paid the other in full ontime (having gotten a paper bill) but this one I got no paper bill. My bank won't pay same day so I tried to login to 5/3. My PIN didn't owrk. I called customer service and was told the CC department is closed and they can't help.
I have a new loan and intend to pay off this card tomorow. I then will cancel both cards and never use 5/3 again.
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