I had been trying to repair my credit and decided to apply for a credit card. I was really shocked when my application was accepted. I was really proud to be a Master Card holder.
I received my card in the mail I called the 1-800-518-6140 number to activate my new card. After activating my card I went ahead and created an online account so that I could view recent statements, make payments online, and view my available credit. Www.eZCardInfo.com As soon as I logged onto that website I knew something was not right. It is so generic and does not have many options to manage your account. But, then again, I was so excited to have a credit card of my own I just brushed my thoughts to the side.
A few weeks later I received a letter in the mail offering Continental Credit Protection which provides benefits in the event of job loss, loss of life, disability, or hospitalization. You pay only $1.49 per $100 of your outstanding credit card balance for as long as you choose to keep the protection. O.K. That sounded good to me, so I did it.
My credit limit is $300. I got my first bill. I paid the $50 annual fee and $175 account processing fee. My second bill I had made $87.56 in purchases. I was billed $15 account maintenance fee, $5 Internet payment fee, and $2.29 debt protection premium. Well, I thought it was $1.49 per $100 of your outstanding card balance.
I have been recently laid off from my job and I thought that I had made a wise decision about the credit protection. I called the 1-866-665-7967 number they provided if you need assistance. The "girl" that answered the phone was not professional at all. I had a few questions for her and her response was "Well-ll, I don't know." She said that I should receive a benefit package in 7 to 10 days.
I waited 10 days and did not receive a benefit package, so I called back and another "girl" answered. I explained that I had requested the benefit package 10 days prior and still have yet to receive it. She said that I should have gotten it already. I asked her what the package consisted of so that I would know what I should be expecting, if it was a regular envelope or a large envelope that contained several pages. Her reply was "I don't know." I asked her how in the hell can you work for a company and not know what the hell your are mailing out. And this was the benefits department I was talking to.
Today I get a phone call from Continental Finance telling me that my account is past due and I need to make a payment before I am charged a $35 late fee. Well if my account is past due why isn't the late fee already added to my account? The phone company doesn't call after my due date and tell me to pay them or I will be charged a late fee. The late fee is automatically added to my bill. I asked the guy if this would be reported to the credit bureau and he kinda chuckled and said that it would be 6 to 8 months for that to happen. That Continental Finance would make every effort to collect.
By this time I am pissed. I go to yellowpages.com and try to find this place. This place does not have a street address. I am so disgusted.
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