Just want to add my opinion concerning the dishonorable tactics used by reputed gateway to rip off honest, trusting folk. What I perfectly understood in September 23 to be a 2-year, $1894.97.00 credit plan has now progressed into a 21/2 year debt-prison sentence of 2800 and historically rising charges. However, accordingly to the representative with whom I just got off the phone, it is to my advantage!
In September, I purchased 2 computers and a printer after falling for the "$498.00 Gateway computer "giveaway campaign" that dominated the airwaves in 2003. Because I understood it at the time to be the most qualitative home computer a person could buy, I fell for the telephone sales pitch, hook, line and sinker (2 computers and a printer). Of course I later found out that their tech support was a joke after I replaced a damaged modem at my own cost and 10 hours of over the phone baloney.
I have always paid on time, never paid a late fee and pay $5 to $60 more than required every month. Still, instead of being debt free by November it will be April according to my basic math calculations, before I get out of prison.
All I know is:
I started out with a CREDIT LIMIT of $2000.00
I purchased about $1894.97 that included other charges. I have been informed that the original account statement may not be available to me because "it was so long ago."
I addition, I have been told that an itemized statement is virtually non-existent via the paper trail or on-line.
My monthly statements indicate that I have already paid at least $522 in finance charges since October.
As a courtesy, because of my "good payment status, " My CREDIT LIMIT is now called a CREDIT LINE that has risen to $2800.00. I now have $2013 worth of credit available to me; and my new Balance is $786.00.
Perhaps to someone more credit friendly than I, this a good debt-ridden situation to be in— especially in a capitalist driven society such as ours. But I was carefully instructed 0n September 23 that by November @ $80.00 per month that all purchases and finance charges would be settled and my 2-year sentence satisfied. Now
Good business partnership for Citibank US and Gateway or whoever it is I owe. No one wants to stand by their products or product purchase policy. Everything changes with a new term: Gateway Credit Card Plan Gateway Easy Payment Plan Citi Mastercard.
Am I being ripped off or is this the reward for being a good sap? You be the judge.
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