I applied for a BestBuy credit card online, but was not approved, there was a box you could check to also apply for a MasterCard. So I checked the box, and did not hear anything else about it. Until a couple of weeks ago.
HouseHold Bank sent me their credit card, with a $300 credit limit. I read through the papers that they sent along with the card, I called and activated it, and that was it.
A couple of days later, I charged $89 on it, and figured I still had $211 left to charge. Today I had to get my brakes and rotors done on my car. When they were finished i handed my card to the mechanic, and he ran it through twice, then turned to me and said the machine is not excepting the card. I called customer service and the machine told me that I have $111 dollars of available credit. I listened to my recent transactions and heard that there was a $100 dollar membership fee charged on May 2.
I spoke with a customer service rep. And explained to him that I had no idea what this charge was for, no one told me about this! He told me that it was stated on the sheet labeled "Important Information about your Account". So I hung up with him. I got home and grabbed the envelope that I had recieved my card in, and looked through the papers in there.
There was not a paper in there that was "Important Information about my account", so I again called another customer service rep. I explained my situation and he transfered me to the floor supervisor, I explained my situation again, and got no where with her, then she transfered me to a different supervisor, and I once again explained my situation.
He was very rude! He would not let me speak, he kept talking over me, and when he did let me talk he would just interupt me! He refused to reverse the fee because he said "That paper is sent out with all the cards" I told him if he could find the person that actually put that piece of paper in my envelope, then I would let it go, he of course does not know who that was, but continued to claim that it is included in EVERY envelope.
He said that if I would have not charged anything on my card, he would have been able to reverse the fee and close the account, but since I have charged something he can't now. OF COURSE I CHARGED SOMETHING, was I suppose to wait around and see if I got a bill for a membership fee, NO. This is my first credit card, I have no idea what I was suppose to look for. He told me he could not do anything for me and that I had to write to the Household Credit Services, and they would INVESTIGATE. But he could not guarantee anything!!!
All I want is to pay for my $89 credit charge, and close my account. I do not want to pay for the Membership fee! I would have never activated the card if I knew about it! Please help! Any suggestions would be great!!
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