I was told that Capital First has approved me for a master card with $2,500.00 credit limit and zero APR for the life of the credit card.
He told me that there is a fee of $29.95 to send out the package to me and that after I sign the contract and return to them, they will send me the credit card. He also told me that after I receive the card I have seven days trial period within which to call and cancel if I don't want to keep the card.
If I decide to keep the card the will charge me a one time fee of $59.95 and an annual fee of $99.95. I asked him if these monies will be taken out of my account at the same time, he said no. That they will contact me before they debited my account.
He requested for my account number which I gave him after he said they will only debit me for $29.95. Two weeks after they debited my account, I did not receive the the package. I called the customer service number given me. I talk to a Danny told me it must have been lost in the mail. He ordered another package to be mailed out to me.
I got this package two weeks after and when I read the contract I found out that the card was not a credit card. I was surpose to call capital first to provide money on the card each time I want to use it. Also there was no where in the contract they mentioned the credit limit I was approved for nor the zero APR for the life of the card.
I got this package on Tuesday and I called them the following day to cancel and for the refund of my money. I was still arguing with them on that when I went on line to check my account to find out the also debited me for $59.95 and $99.95. I have spoken to the customer service department of Capital First to refund my $29.95, $59.95, $99.95, plus the over draft fee I was charged because of these debits ($275.00).
I have spoke to someone in customer service for the last four months about my refund. After returning the package I received account #207121857. Every two weeks, I called to see when the refund was been put back in my account.
For the last three days the phone number has been busy. I was told that my refund would be in my account on August 14, August 27, September 9, September 24, October 9, October 31. I have checked my bank account daily for this refund, but it is not there yet.
Thanks for any assistance you can offer.
Gloria
Kenner, Louisiana
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