I received a phone call today from Spectra Financial asking me if I would be interested in re-establishing my credit. Well like most Americans I replied with "yes". I fell right into there trap. They offered me a Mastercard with a 1 time fee of $249.00 and no annual fees or interest for 3 years. I had even asked in humor " are you commiting fraud" she laughed and said " no mame thats illegal". I blew it off.
I should of known better given the fact Im a Personal Banker and I know that all products have some sort of fees and maybe won't have interst for the first 6 months or something like that.
But no... I though to myself this is a really good deal, my husband and I are trying to acheive the goal of buying a home, that this would help.
After a few minutes of thought I decided to check so I lodgged on to Google and found other "usacomplaints.com" from others.
So now I have to call my bank, pay a $30.00 charge to stop the ACH transaction, could possibly be facing identity theft and other things. And I have nothing to show for it except losing $30.00 bucks.
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