I took out the sears solutions card mainly to help re-establish my credit after bankruptcy... Didn't expect to be approved, but was after first being declined for a regular Sears account.
The first month i paid the balance due..., but had made other charges that fell into the next billing cycle...
When that bill came i paid the balance in full again... This time clearing my account of any balance... This evidently was a problem.
I asked when applying for the card "if i pay the balance in full every month will i be charged any interest" the answer i got was "No", so that's what i have tried to do.
This time, they froze my account for 10 days, said it triggered my account for a fraudulent transaction because i paid the balance off and it was a large amount... I mean get real! Who else is going to make a payment on my account... They're just upset because i paid the balance off and they can't legally charge me any interest... Therefore they are not making any money off of me... My payment was made on the 24th of Sept... They received it on the 25th according to they're automated records... It actually cleared my bank on 9/28/09 and today is 10/6 and my account is still on hold... How unethical is that?
I threatened to close my account, but after talking to someone at my bank was advised not to because closing it so soon after opening it would hurt my credit more... I will just continue doing the same thing once my card is released... Charging a large amount and paying it off before the end of the billing cycle... That seems to upset them enough... And apparently is the only way i can get back at them...
I am thouroughly upset and the way they have treated my account... If anyone has been Fraudulent it is Sears Solutions HSBC!
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