I had no idea what I was getting myself into. Applied for a credit card with cross country bank and all hail broke loose. Things were fine for a while. Then the over limit fees came. Along with those they drafted my checking account twice in one month and was not authorized to do so. An overdraft fee was charged to my checking account for a bounced check, due to their error. A few calls enabled me to get my money put back into the account, but rest assured it wasn't put back as fast as it was taken out. They even refused to pay the overdraft fee.
My due date miraculously changes whenever I turn around, so there are always late fees attached. The annual % is always increasing and this is from someone who called and requested my account be closed. On a closed account you can still rack up over limit fees, as well as late fees. To boot, they were still charging me insurance on a closed account.
Have been trying to get this MESS taken care of but it seems that the total increases instead of decreases. At this rate a credit counselor has informed me that it will tale 15 years to clear it up.
DO NOT, under any circumstances deal with these folks who claim that they practice legal, and good business ethics.
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