I was suprised oe day when checking my bank account on-line to find an electronic check for 159.00 from EDP card services. Having no idea who this was I tried to call, which is impossible. No one ever answers their phone and you are directed to send an e-mail which is equally difficult.
Hotmail kept returning it as undeliverable. Next is the on-line chat service which after an hour or so finally connected me with someone, They requested a copy of my bank statement showing the charge and they sent me a form to fill out and return with the bank statement.
Three months latter I receive an E-mail advising me that they found the actual transaction where I had authorized them to take 159.00 out of my account, for what I still can't tell you. It went on to say that they would try n dlocate the vendor and refund my 100.00 but they were keeping the processing fee.
Processing for what? Another month goes by and I finally receive word via E-mail that I am going to be geting a refund for 100.00 within 10 to 12 days. they did not indicagte whether it would be credited to my cking act or if I would be getting a ck.
I can only suggest do not apply for a credit card if they are involved. In fact do not apply for any credit cards where they have charged you 1/2 your credit limit in fees. They will continue to charge you annual fees and other assorted charges. If you are trying to rebuild your credit I suggest ytou go through Consumer Credit Counseling Services, they are a National not for profit orginization set up to help pay off your debts and re-establish your credit. I am in no way affiliagted with them, I just have a friend who recently used there services and was quite pleased, it prevented him from declaring bankruptcy.
Kansas City, Missouri