I got my first credit card with them about 3 years ago when I was in desperate situation and I had nowhere else to turn. I was approved for a $300 limit, and I made my monthly payments on time (if not early). After almost a year, I got an offer in the mail to apply for another credit card with them, and I was approved again, but this time for a $700 limit. Again, I made all my payments on time, though I will admit that I was only paying the minimum amount due.
I was relatively satisfied with them (their interest rates are no joke), until a couple months ago. I went online to make my monthly payment as usual, and I selected the option to pay the minimum due which was around $51. I used their preselected option instead of typing in the amount due. The payment cleared my account and I thought all was well until I started getting calls and a letter about my “past due account”. What? Apparently the $51 listed on their website wasn’t *actually* the minimum amount due, it was actually about $25 more than that. So why did the website say that, instead of saying I owed $76? No one had an answer. Of course, since my account was “past due”, they charged me a late fee on top of it. Of course, I never had an issue before so I don’t have any proof of what their website said and naturally their records apparently don’t show any discrepancies. Since I had just moved around the time this happened, I was severely strapped for cash and couldn’t give them the extra money they wanted plus the late fee, so my account stayed “delinquent” and I keep accumulating fees, despite me still giving them as much as I can afford every month.
my favorite part is, even though my first credit card is still being paid on time and I should have credit available to me, I can’t use the card because of my other account. Wonderful.
I would stay far, far, FAR away from this company unless you literally have nowhere else to turn.