Got my first credit card. Had it less than a month. Been keeping track of EVERY CENT as I go. Had $52 and some change left on the card to spend as of last night. Now picture this: I'm at Walmart last night and I go to buy gas for dh to drive to work the next day and baby wipes for baby and they tell me my card is declined. What?! So embarrassed I use my debit card instead and get home and immediately I go to the credit card's website and pull up my account and couldn't believe my eyes when I see that they have charged to my account a $60. ANNUAL FEE. Ok first of all, I read ALL of the terms and conditions backwards and forwards with dh before signing up for the card and it said in plain English NO ANNUAL FEE. Secondly, I see on the website that they took the $60 out of my account BEFORE they even sent the card! I was LIVID. I called up the credit card company and spoke to a girl who insulted me several times, once saying that"You wouldn't expect to get a t-shirt without paying for it first would you?" Smart__! Then I spoke with her supervisor who did nothing and claimed there was no one above her. Then I called the next day and spoke to the head person there and still they claim they can't do anything!!! I offered a compromise of them crediting back the $60 so I wouldn't be over-the-limit and have my credit hurt or have to pay a over-the-limit fee and have them put the $60 charge on next month's bill but they claim they have no way of doing that. BS! Oh and when I signed up for this card I opted to have a feature that would make it to where I couldn't go over-the-limit and they did it anyways!!! It's overdrawn $7 and some change all because of them taking out $60 that I was unaware of. I think there are EVIL!!!! What can I do about this?
Asked by Anonymous at 3:20 AM on Dec. 15, 2010 in Money & Work
Answer by letlovegrow2524 at 4:03 AM on Dec. 15, 2010
Answer by SAMNMAYASMOM at 3:49 AM on Dec. 15, 2010
Answer by Mrs.Norris at 4:26 AM on Dec. 15, 2010
Answer by SherriPie at 8:51 AM on Dec. 15, 2010
Answer by SherriPie at 8:52 AM on Dec. 15, 2010
Answer by premiemom18 at 3:30 AM on Dec. 15, 2010
Answer by Scuba at 9:05 AM on Dec. 15, 2010
If your paper work says no annual fee call your state attorney general and then call your local news. When the attorney general calls them he or she will get somewhere.
Answer by LoveMyDog at 9:47 AM on Dec. 15, 2010
Answer by HotMama330 at 11:57 AM on Dec. 15, 2010
Answer by Erica_Smerica at 6:25 PM on Dec. 15, 2010