I applied for the fleet 0% card only to find out that balance tx were excluded, so I receied a hugh balance transfer charge with a higher intest rate. I called and was informed I needed to obtain the orginail letter to prove the 0% intrest. I paid off the fleet card with a 2nd the next month. Now I am getting letters that say I'm over due and I need to send a payment right away to aviod late fees etc. I can't imagine owing them any money furthur I have never received a bill, till this letter saying I'm late.
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