Okay here it is from the beginning. I'm new to this, not sure it's a scam, but hoping it's not. I'm in the process of reestablishing good credit. Have 1 legit credit card for 3 months now with good credit rating and 9.9% interest rate, so I thought this might be for real since my credit is improving. The bottom line is, I'm looking for feedback on this co. I'm still within the 30 days so if you know anything about this co., good or bad, I sure would appreciate reading your story. Thanks and here's my story.
Recvd call mid June for an unsecured VISA/MC w/minimum credit limit of $2500 to maximum of $5000. For a fee of $229, I am guaranteed an unsecured VISA/MC. Have been preapproved from 5 banks and can choose to have a card from 1 or all of them.interest rate locked in at 12% for 5 years. No annual fee, monthly fee, transfer fee, renewal fee or balance transfer fee. My reps name is Gail Ellison @ 514-340-0123. Supv is Todd Blake. They are listed on internet in AT&T listings & ANYWHO listings. Of course they scheduled a bank deduction. Done on 7/5/02 under the name of Platinum Benefit BP. Supposed to recv my package of information 15 days after 7/5/02.in addition to the credit card, I'm supposed to recv a tv satellite system with 2 receivers and free installation as my free gift. They did a verification recording (like some of the other companies listed on this site). Verified my name, address, bank info and date of bank transaction. Was told that for an addtl $39.00 I could have my information shipped 4 days after my transaction date.
After talking with them, I immediately called the 800 number (800-214-4285). Actually reached a person. Was told that if I did not want to go through with the transaction on 7/5, I could call and cancel up to 4 days prior to the 5th. A few days went by. I felt this was a legitimate offer and tried calling them for days to say I'd like to get my information within the 4 days. Could not get through. Now all I can get at the 800 # and their (514) Plattsburgh, NY # is a recording that says the vm box is full and to hang up and call again later.
After viewing the credit fraud section of this website, I've learned a lot. As I said, I'm still within the 30 days so at least I know I have some recourse. Perhaps I've been naive and because I'm legitimately paying off debts and reestablishing credit, I thought enough time had passed and my good payment history had been reported to the credit reporting agencies.
If you have ANY information about Platinum Benefits, please post it quickly. Thanks in advance for your information. If this is a scam, help me so I can help others avoid being ripped off. Thanks again!
Patty
Richmond, Virginia
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