When I got my Providian Visa I was in good standing and had very few problems. Then this Nazi company, aka E-Merge, took over the accounts and it all went down hill from there.
I had a low balance when the company took over and I thought that making $100 payments on time and every month would pay it off and I would be debt free, but that was not true. My balance goes right back up due to random finance charges.
Like others, my interest rate is 30% and I get a MONTHLY periodic finance charge of anywhere between 60 and 150 dollars. Everytime I make an overpayment to knock the card down a bit it goes straight to this random finance charge — incredible.
I am wondering if there is a class action lawsuit in the works or if one should be started. This Nazi company needs to be stopped.
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