• Report: #973118

Complaint Review: Emerge Credit Card

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  • Submitted: Sat, November 24, 2012
  • Updated: Mon, November 26, 2012

  • Reported By: kaymama — Greenfield Massachusetts United States of America
Emerge Credit Card
Internet United States of America

Emerge Credit Card ? Now ripping more money from us who can't afford it. Internet

*Consumer Comment: oh wow

*Consumer Comment: What point?

*Consumer Comment: as usual bobby from irvine is missing the point

*Consumer Comment: Stop What?

*Consumer Comment: bobby from irvine

*Consumer Comment: Payment Date

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  I have been trying to pay off a closed credit card for over nine (9) years.  We had run into some financial difficulties with job losses,etc.  Many times our payments were late but were at least paid asap with at least the minimum payment.

   I tried today, Saturday, 24 Nov. 2012, the due date; to pay my now usual amount which is a bit over the minimum.  I have always been able to pay on weekend days before.  This time Emergecard.com changed my payment date to Mon. 26 Nov. 2012 which will make the payment overdue.  
 

    I tried several times to change the payment date back to today, the due date, but Emergecard.com kept changing it to 26 Nov.  I paid it today, 24 Nov. 2012, but it will not accept it until 26 Nov. 2012 making it overdue!!!

     This is yet another ripoff by big, rich business; of folks who are trying to do the right thing with limited resources.  Shame on them!!!


This report was posted on Ripoff Report on 11/24/2012 10:52 AM and is a permanent record located here: http://www.ripoffreport.com/r/Emerge-Credit-Card/internet/Emerge-Credit-Card-Now-ripping-more-money-from-us-who-cant-afford-it-Internet-973118. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 6Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

oh wow

AUTHOR: The Outlaw Josey Wales - (United States of America)

I will not bend to the great and powerful team rebutt
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#2 Consumer Comment

What point?

AUTHOR: Robert - (U.S.A.)

Interesting how you feel you are free to post as many times as you want, post what ever you want, and when ever you want.  Yet you don't want to afford other people that same ability.  Was that your point?  

that need to stop attacking people who they do not like. you created me with your useless attack on my post,

- I think the worst I have ever been with you is asking you a couple of tough questions that you are totally free to ignore, and even that may be just a couple of times..if that.  But perhaps I am wrong(after all I am not perfect :) ),  so please feel more than free to post links where I have attacked you.

butt you could not resist rebutting and attack my right to post my gripe. you want me to stop, you stopp
- Show me where where I have ever asked you to stop posting.  Because for one I can't think of any.  If there is any times I have done it I am sure it was done in a different context.  Although I say if you find one please post the link here.  

In fact I will go one step further and say that I specifically DO NOT want you to stop posting.  As even though you are nothing but an instigator and pretend to have some persecution complex, you have just as much chance to post on this site as anyone else.

till then I will be there to answer you back each and every time.

- Glad to know that you have that much free time on your hand.  I may just put that to the test.  But I will say right now I doubt you can..because you have missed several of mine and other members of "Team Rebutt" already.

you are far from perfect and do not know all the answers

- Never said I was, and I don't post on reports where I don't know the answer.   If you think I posted something incorrect on this post.  Then please feel free to post your suggestions and inform everyone why you think you are right and I am incorrect.

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#3 Consumer Comment

as usual bobby from irvine is missing the point

AUTHOR: The Outlaw Josey Wales - (United States of America)

people are free to post as much as they want, it is the useless rebutts from bobby from irvine and his girlfriend stacie that need to stop attacking people who they do not like. you created me with your useless attack on my post, I never ask for help or advice, butt you could not resist rebutting and attack my right to post my gripe. you want me to stop, you stop . till then I will be there to answer you back each and every time. seems like you can't take your own medicine, and you know I'm not the only one who feels like this. you really show your true side of yourself when you attack, you are far from perfect and do not know all the answers. take a good long look in the mirror.
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#4 Consumer Comment

Stop What?

AUTHOR: Robert - (U.S.A.)

What exactly are we supposed to stop Charles?

If you have better advise or suggestions for this poster to help them, I(and everyone one) else would be glad to hear it.  But if people posting on this site really bugs you and causes you apparently a huge amount of stress there is one thing you can do.  But will you be smart enough to figure it out?
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#5 Consumer Comment

bobby from irvine

AUTHOR: The Outlaw Josey Wales - (United States of America)

you and stacie need to stop it, alright
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#6 Consumer Comment

Payment Date

AUTHOR: Robert - (U.S.A.)

I tried several times to change the payment date back to today, the due date, but Emergecard.com kept changing it to 26 Nov.

Banks do not process transactions on weekends and holiday's.   Most Credit Cards will accept payments on weekends.  However, if your due date is on a weekend/holiday and your card does not accept payments during that time.  As long as it is paid before 5PM on the next banking day(in your case Monday), by law they can not treat the payment as late.  So Monday would be a valid date to make the payment, but to be double safe you should still have the transaction processed on your due date.  The link below is a link to the Federal Reserve and an explanation of the regulations. 

http://www.federalreserve.gov/consumerinfo/wyntk_creditcardrules.htm
 
If for some reason the above site is redacted, just search "Federal Reserve Credit Card reform" to find it.

Now, if they do charge you a late fee..you would have a valid complaint.
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