I was approached in late March with an offer that was just what I was looking for at the time. A credit card with a $2500 limit and 6.2% interest rate. The gentleman who I spoke to represented Bank of America and stated that i had been approved for a Bancamericard!-Liar- He mentioned that I would recieve a credit helpers credit kit to help me fix any bad credit along with my card. I was overjoyed.
Having had a good experience with a similar offer from another bank, I didn't hesitate to accept the offer.
On or about May 21st I had a 2nd thought and decided that I would wait to do this till my $ was a little better. I have 4 children and when they need something, I need to get It!
I phoned and canceled my approval. I was assured that I could get this same rate at a future time, as I was pre-approved. My money was taken from my account on June 5th- I was out of town at a training session for my company. I didn't check for a debit. It didn't dawn on me, that is until a check bounced a week or so later. I thought I had miscalculated, and then I saw my bank statement!
They put their phone # right on it, as if you could get any help there!
By this time I recieved a package with some junk I would never have paid a dollar for, nonetheless $249! I tried today to get some help from them, but they stated that a bank would be contacting me shortly so why didn't I just hold on till it arrives! Then I called my Bank and I am going down to file for an illegal withdrawal!
I cannot believe that there are people who would do this! I am a hardworking, mother of 4 and when I have to go home today and tell them they don't get any new summer clothes, they are going to be heartbroken! JERKS!
San Jose, California