Applied Card Bank HUGE RIPOFFS!! CHARGES FEES FOR EVERYTHING INCLUDING CHECKING YOUR BALANCE THROUGH THEIR 800#! CAUSES YOUR ACCT TO OVERDRAW WITH THEIR FEES ALONE AND THEN CHARGES YOU FOR IT! Wilmington Delaware

This credit card bank is the biggest scam I've ever dealt with! I have a small $500 credit limit with them and due to a personal matter had charged $450 of it. Well....even though I'm paying them $75 per month, along with all their charges, I am constantly over the limit! Here's what they charge every month....

a $10.95 maintainance fee just for having an acct with them, $6.95 if you want to make a payment ONLINE, $12.95 if you want to make a payment over the phone! So, even though I knew my balance was $450...I atleast knew that I was not over my limit and wouldn't be charged anything BUT the $10.95 fee. So, I get my bill.....it says that I'm over the limit by $34.00 and they charged me a $32.00 over the limit fee. I look at my purchases and tally everything up and find that everything I charged totalled $454.34. But after their 10.95 fee, their 6.95 online payment fee, and the finance charges and cash advance charges (even though I have never taken a cash advance!!), my balance is now $534.37! Doesn't make sense does it? On the top portion of my bill it says there's a total of $10.72 in finance charges but at the bottom it says $17.90 in total finance charges! So which is it???? Maybe it's both? Because apparently they're just plugging in numbers wherever they want to.

So, I call them and try to ask questions about these fees and why I'm being charged the over the limit fee when I'm not the one who caused the account to go over the limit? Every answer was, "it's bank policy". I explained to the woman that I have many credit cards and they all charge some kind of fee but if their fees cause me to go over the limit, they DO NOT charge me an over the limit fee! Also, they are the only credit card that I have that charges for online transactions and charges to listen to their computer tell me what my balance is using an 800#! Now if I want to talk to a real person, alot of them will charge a fee...but I'm listening to a computer for god sakes!

So, I closed my account and the woman tells me to be aware that I will still get charged all these fees until my account is paid off! NO *&#%!

I am also writing to the attorney general in my state and Delaware and I'm contacting the BBB. Something has to give with these fake banks that charges all these rediculous fees.

Judi
liberty, Kentucky
U.S.A.