Household Credit Services is a ripoff. They steal their customers money. I've had an account with them for about 2 years and I have paid about $1000 in outrageous fees. They charge me late fees when my payment is on time and then when that late fee brings me over my credit limit, they charge me an over-the-credit limit fee at the same time before I can even get a chance to pay the bill. They charge me these fees before my bill is even due. It adds up to about $60 dollars per month in fees.
When I get my statement from them in the mail, I go on-line and look at my statement and the balances don't even match. If you go online to pay your bill because you don't want it to be late, they don't post it to your account until 3 days after you make your payment online. I've never seen a company take so long to post a payment made on line.
They are a ripoff and steal people's money. I made a big mistake when I got an account with them.
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