Applied Bank® Secured Visa® Gold Credit Card

Avoid Applied Bank at all costs!  They are the same ripoff artists that used to operate as "CrossCountry Bank", so if they screwed you once, now they will screw you again under a new name and new card.  Everytime people catch on to their terrorist tactics, they just open another card or change names. 

On my Applied Bank card,  I have now made 9 payments of $50 each in the last 7 months, my total balance is now $152.86 on a $300 credit limit (lots of fees), and Applied Bank still continues to screw me.  They report me as 1-2 payments behind on my credit reports, demand two payments now, and want one of those payments to be $152.86,  my total balance.  If I make one payment that is my total balance, how do I make a second payment above that?  They already have my deposit.  They want a second payment above that total balance?

They hound me constantly on the telephone and have ruined my credit even more simply because I had to skip one payment 8 months ago due to hardship.  They have no way of sending a message to them via your website login, list no correspondance address, and make sure that the only way you can contact them is via telephone, where you can't make a record of the contact without breaking the law.  And, just to add insult to injury, if you call them, its not toll-free....you have to pay to call a long distance number.

I can't wait to pay off this card, close my accound, and take that Wells Fargo Secured card offer for only $18 a year!!!  Avoid these loan sharks!!!

check on their annual fee in the terns its outrageous