I am a former cross counrty bank card holder. When I lost my job I told these idiots right away. Fine they said, "we'll work with you, because you have been a good customer". The reason I was such a good customer was because I always paid above and beyond the minimum. First let me start by saying I applied for the card online. I put a check mark on the little box that says if you lose your job or can't pay the insurance will pay. I think that was there for decoration, because they told me they have no such record of this insurance. Lucky for me i copied the online application before i sent it in. The harrassing calls stopped for about month. Then day and night they called from 8:01 am to 9:00 pm. They said the bank wants there money. I told they should have gotten paid from the insurance. They wanted a formal letter from my former employer, there was no way to get that we all lost our jobs, and a letter from the Virginia Employment Commssion was not good enough.in the mean time I'm being charged over the limit and late fees. So it dawned on me "stop the card" and close the account, they out right refused. So now my credit report says "closed by grantor" instead of "closed by consumer". Needless to say after a year a "supervisior" told me I should have put my insurance claim in within the first 3 months of losing my job. WHAT?! This company is full of clueless idiots. I now owe $1700 on a $700 credit card. I have other very small debts that I'm paying, but because of CCB I'm considering bankruptcy on all debts at the tender age of 30. Like my dad says "credit cards are the devil". Ha ha ha
Derrice
Lynchburg, Virginia
U.S.A.
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